Meet Drea, your AI down payment advisor
Where first homes happen sooner.
Drea finds the down payment help you may be eligible for and works every step in parallel, so you reach closing sooner. Every gift lands in a deposit account in your own name, documented the way lenders require.
Home funds, as they fill
What a fund looks like while a family and their people close the gap.
Illustrative examples of how a home fund works.
Before anyone gives a dollar, find the money already waiting
The Dream Score maps down payment assistance programs, employer housing benefits, and loan-friendly paths you may already qualify for. Four minutes, free, no credit pull.
Get your Dream Score nowSimple to start, documented to the last dollar
Create your home fund
Guided setup in minutes. Your Dream Score maps what you qualify for before anyone reaches for a wallet.
Get your Dream ScoreShare it with your people
Parents, siblings, friends, coworkers. One link, and every gift arrives with its note and a lender-ready letter attached.
See what givers seeReceive funds at closing
Money waits in a deposit account opened in your own name at a partner bank, then goes to a licensed settlement agent at closing.
How the money moves
Whoever you are at the closing table
For supporters
Turn your love into a home.
Your community already gives.
Now it counts.
Every year, families move money informally to help loved ones buy a home: holiday cash gifts, undocumented transfers, contributions that never make it into a lender’s file.
Dreamfund turns that same generosity into lender-compliant gift documentation. Your contribution is the same. Now it actually helps your person get to closing.
Marcus & Destiny’s first home fund
Atlanta, GA
$20,400 raised 68% of $30,000
- Aunt Joyce contributed $500 · Gift letter generated
- Uncle Ray pledged $1,000 · Fund pending launch
- Office team pool contributed $2,200 · 11 contributors
All contributions include lender-ready gift letters, automatically.
Illustrative example of how a fund fills.
Contribute in minutes
Find an active fund, choose your amount, and give securely. No account required, just a way to give and a dream to support.
- Secure payment processing
- Instant contribution confirmation
- Your name shown on the fund, or give anonymously
Your gift is lender-compliant
Every contribution auto-generates HUD-standard gift documentation that satisfies Fannie Mae, Freddie Mac, and FHA requirements.
- Gift letter generated automatically
- Attribution tracked and timestamped
- Delivered straight to the lender's file
- Zero paperwork on your end
Protected until closing
Upon launch, contributions are held in a deposit account opened in the buyer's own name at an FDIC-member bank partner until closing. Dreamfund is not a bank, does not hold customer funds, and is not itself FDIC-insured.
- Deposit accounts in the buyer's own name
- Full refund if the fund does not reach its goal
- Real-time fund visibility
- No surprise fees for supporters
New feature
Pledge to get them started.
Sometimes the buyer has not launched yet. They just need to see that their community is behind them. A Dreamfund Pledge lets supporters commit funds before a home fund goes live, giving the buyer the confidence to take the first step.
Make a pledgeYou make a pledge
Commit a dollar amount to someone you want to see buy a home. No charge until their fund goes live.
Dreamfund notifies the buyer
We show them their community is ready. Real names, real amounts, real momentum.
They start their home fund
Your pledge converts to a contribution, with the gift documentation generated automatically.
You get the update
Track their progress and celebrate when they close. You helped make it happen.
Life already gives you reasons to celebrate. Now they can help you come home.
Graduations. Weddings. New jobs. The moments people already show up for are natural moments to gift toward a down payment, not just a card.
22% of first-time buyers used a gift or loan from family or friends toward their down payment. Source: NAR, 2025 Profile of Home Buyers and Sellers.
Graduating
Cap tossed, diploma in hand, next chapter starting. Invite your community to gift toward your first home instead of another gift card.
51% of graduation gift-givers already give cash, part of an estimated $6.8B in U.S. graduation gift spending. Source: NRF, 2025.
Start my graduation fund →Getting married
Nearly 1 in 5 couples now include a home fund in their wedding registry, up 55% since 2018. Make yours one of them.
Source: Zillow and The Knot, 2023.
Add a home fund →Expecting
A new baby means a new chapter. Let the people who love your family help you build a stable place to raise them.
Start our family fund →New job
New title, new paycheck, new possibilities. Turn the congratulations into a down payment head start.
Start my new-job fund →Something to celebrate
Milestone birthday, promotion, paid off debt, any win worth marking. Let your people celebrate with you toward your next home.
Start my celebration fund →Learn the rules before the rules cost you
From the Dreamfund guides. Written for buyers and the people helping them.
The ROAD Act could change what first-time buyers can use.
We track the legislation and what it would mean for down payment help. Plain-language, updated as it moves.
Built so the money part is the calm part
Dreamfund is part of the Fintech Sandbox Data Access Residency, a selective program for early-stage fintech companies.
The door is real.
The fund starts today.
Open a home fund in minutes, or see what you qualify for first. Both are free.
Start a home fund