Dream Home Fund is a faith-rooted nonprofit dedicated to expanding housing access for underserved families. We believe every family deserves a place to call home, and we walk alongside them to achieve that dream, through down payment assistance, homebuyer education, financial empowerment, and community-centered housing programs.
"And you must love the Lord your God with all your heart, all your soul, all your mind, and all your strength. The second is equally important: 'Love your neighbor as yourself.' No other commandment is greater than these."
Mark 12:30, 31, NLTWe believe housing is a human right rooted in dignity. Every family we serve reflects the sacred worth God places on each person. Our model mirrors the generosity of grace, flexible terms, and patient partnership with families on every step of their journey.
We believe housing is a human right rooted in dignity. Every family we serve reflects the sacred worth God places on each person.
Our model mirrors the generosity of grace, flexible terms, and patient partnership with every family on their journey to homeownership.
Homeownership builds neighborhoods. We invest in families who invest back, creating cycles of stability, wealth, and belonging for generations.
Tell your first-mortgage lender you want to pair their loan with a silent second from Dream Home Fund. We deliver DPA through your lender, not directly to you.
No lender yet? A HUD-approved counselor can help you find one. If your lender has not heard of us, send them our way and we will reach out.
Your lender coordinates with Dream Home Fund as part of underwriting your file. We make all DPA approval decisions independently.
DPA funds are wired to escrow at closing. The silent second is recorded behind your first mortgage. You're officially a homeowner.
Your silent second mortgage accrues with no monthly obligation. Repayment is due at sale or refinance only.
A housing pathway for pastors and ministry leaders. Through partner landlords, participants rent a home at a reduced rate, giving their family stable, affordable housing during a season set aside for building toward ownership.
Reduced rent is paired with one-on-one financial education, budgeting, and a savings plan, so the months spent renting become a runway to a down payment and, when the time is right, a home of their own.
We are designing this program now. If you lead a congregation or own rental property and want to help shape it, reach out.
Become a strategic partner by providing capital to Dream Home Fund, our dedicated DPA funding pool.
Your capital is deployed as down payment assistance silent seconds to qualified borrowers. Fully segregated accounts, fully auditable.
You receive regular reporting on how your capital is being deployed and the outcomes it's creating, on a cadence that works for you.
Every dollar you provide creates a path to homeownership for a family, building generational wealth and neighborhood stability.
Mission-aligned partners who believe housing is a human right, from capital providers to mortgage lenders who walk alongside borrowers to closing. The examples below illustrate the kinds of organizations we work with, not an exhaustive list. If your organization is mission-aligned but not represented here, reach out.
Mission-aligned capital that recycles as families build equity. Each dollar funds multiple homes over time, a stronger multiplier than one-time grants.
Unlock more buyers for your communities. Down payment assistance reduces barriers to purchase without reducing your margins.
Position your institution as a HUD-approved nonprofit DPA partner. CRA-motivated banks and CDFIs are actively seeking this relationship.
Pair your first-mortgage borrowers with Dream Home Fund's silent second so qualified buyers can clear the down payment gap and get to closing.
Accredited investors and mission-minded individuals who want returns that align with their values. Every dollar makes a tangible difference.
Partner with a HUD-approved nonprofit to expand affordable housing access in your community through targeted DPA programs.
Dream Home Fund operates under rigorous governance standards to protect borrowers, partners, and our mission.
Dream Home Fund makes all DPA approval decisions independently with no conflicts of interest.
A $500 Program Administration Fee is charged only at successful funding, itemized on the Closing Disclosure. No application fee, no charge if the transaction does not close.
Loaned capital is restricted exclusively to the DPA Funding Account and never commingled with operating funds.
A faith-rooted organization proudly serving all neighbors in need, regardless of religion or background.
Application for approval as a HUD-Approved Nonprofit under FHA's Secondary Financing program (Mortgagee Letter 2025-05; HUD Handbook 4000.1 Section I.B.4.b.iii) submitted. Approval required to originate DPA silent seconds.
Dream Home Fund operates under a 501(c)(3) nonprofit status with an independent board and annual financial review.
Whether you're a family looking for down payment assistance or a partner wanting to deploy mission-aligned capital. We'd love to connect.
Tell us a bit about yourself and we'll be in touch shortly.
Dream Home Fund is a faith-rooted nonprofit dedicated to making homeownership accessible to every family. We'll respond to your inquiry within 1-2 business days.