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.
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
Map your number
Guided, in about four minutes. Your Dream Score maps what you may qualify for before anyone reaches for a wallet.
Get your Dream ScoreShare it with your people
One link, and every gift arrives with its note and a record of who gave it. Who can give depends on your loan program and your lender.
See what givers seeReceive funds at closing
Upon launch, funds will release only 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 a documented gift. Your contribution is the same. Now it comes with a record of who gave it.
Marcus & Destiny’s first home fund
Atlanta, GA
$20,400 raised 68% of $30,000
- Aunt Joyce contributed $500 · Gift recorded
- Uncle Ray pledged $1,000 · Fund pending launch
- Office team pool contributed $2,200 · 11 contributors
Each contribution is recorded with who gave it.
Illustrative example of how a fund fills.
Contribute in minutes
Upon launch, 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 recorded
Each contribution records who gave, their relationship to the buyer, and a signed no-repayment attestation. The buyer's lender decides what gift documentation it accepts.
- Giver and relationship recorded
- Attribution tracked and timestamped
- Signed no-repayment attestation
Held in the buyer's own name at launch
Dreamfund is not a bank and does not hold customer funds. Upon launch, each customer's savings will be held in a deposit account opened in the customer's own name at an FDIC-member institution. FDIC deposit insurance applies to deposits at the member bank subject to applicable limits. Dreamfund itself is not FDIC-insured and does not guarantee any savings outcome.
- Upon launch, accounts in the buyer's own name
- If plans change, the buyer records whether to keep the funds or return them to supporters
- Real-time fund visibility
- Any fee is disclosed before you contribute
New feature
Pledge to get them started.
Sometimes the buyer has not set up their fund yet. They just need to see that their community is behind them. A pledge is a promise to give later. When they set up their Dreamfund, your pledge shows on their progress.
Make a pledgeYou make a pledge
Pick an amount to give someone toward their home. A pledge is a promise to give later. No money moves now.
Dreamfund notifies the buyer
We'll email them once you confirm your pledge.
They start their home fund
When they set up their Dreamfund, your pledge shows on their progress. You give through their page when you are ready.
You give when you are ready
Your pledge lasts 90 days from the day you confirm it.
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.
Join the waitlist →Getting married
Instead of another set of dishes, invite the people celebrating with you to gift toward your first home.
Join the waitlist →Expecting
A new baby means a new chapter. Let the people who love your family help you build a stable place to raise them.
Join the waitlist →New job
New title, new paycheck, new possibilities. Turn the congratulations into a down payment head start.
Join the waitlist →Something to celebrate
Milestone birthday, promotion, paid off debt, any win worth marking. Let your people celebrate with you toward your next home.
Join the waitlist →Learn the rules before the rules cost you
From the Dreamfund guides. Written for buyers and the people helping them.
How much down payment do you really need in 2026?
The honest ranges by loan type, and what changes them.
AssistanceThe truth about first-time buyer programs
Which ones are real money, and which are marketing.
ClosingWhat is cash to close?
Down payment, closing costs and credits in one number, with sourced 2026 ranges by loan type.
CalculatorEstimate your cash to close
A free estimate from your price, loan type and down payment. Estimate only.
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.
Still have questions?
How gifts affect your mortgage, what supporters see, what happens if plans change. It is all answered, in plain language.
Read the FAQBuilt 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.
Be first through it.
Join the waitlist, or see what you qualify for first. Both are free.
Join the waitlist