20% of first home contracts are guaranteed by the Consap Fund

One in five mortgages is taken out thanks to a state guarantee. The Fondo Mutui Prima Casa, set up in 2013 and managed by Consap, provides public cover for a significant slice of mortgage loans disbursed in Italy and is set to expand further thanks to a fund of an additional 540 million for the next two years (270 million a year) and thanks to an extended - hence stable - set of rules until the end of 2027.

The official data as at 31 December 2025 tell of 695,000 applications received to date by the fund and 544,030 mortgages disbursed, for a countervalue of approximately 65 billion euro. In detail, 339,869 mortgages have been disbursed with a 50% guarantee (in this case, the guarantee 'covers' half of the loan amount disbursed), 202,172 with an 80% guarantee, and 1,989 for large families (in this case, the coverage goes up to 90%).

In 2025 over 20% of mortgage loans stipulated in Italy benefited from the Fund's state coverage, and by 2026 - trend and forecasts in hand - the percentage of total mortgages disbursed in Italy will rise again (approaching 30%). Guarantees granted last year increased by 5.1% over the previous year. More specifically, the enhanced 80% guarantee, introduced for the first time by the Draghi government, exceeded the share of mortgages guaranteed at 50% in 2025 (54,952 contracts against 19,708), certifying the success of a formula that in fact allows banks to finance even up to 100% of the value of the property. In addition, the Budget Law for 2025 introduced further coverage of up to 90% for families with at least five children and Isee up to 50,000 euro: in 2025 there were 1,322 contracts stipulated with this guarantee, a sharp increase on 2024, demonstrating the growing interest in this type of aid.

The current system of guarantees (50 per cent, 80 per cent and 90 per cent for large households) has been extended until 2027 and the extension concerns all traditional priority categories (young couples, under 36, single-parent families, social housing tenants). In particular, so far, young people under 36 have been granted 72% of the guarantees disbursed.

"For the first time in history, we have obtained funding for the fund for three years and no longer with six-monthly or annual measures, as in previous years," explains Vincenzo Sanasi d'Arpe, CEO of Consap. The Meloni government, in fact, at the end of 2024 refinanced the Prima Casa Fund with 670 million for a three-year period (130 million for 2025 and 270 million for each of the following two years), thus giving greater continuity to the measure for the coming years.