Achieving the Dream Program Achieving the Dream Program is geared towards low income first time home buyers. The 30 year loan offers very low interest rates which can be used to finance one and two family properties (which include condos, co ops, and manufactured homes attached to real property). There are no prepayment penalties through this program. Additionally, New York down payment assistance can be provided up to $15,000. A New York borrower must contribute 1 percent to the New York down payment costs.