No. Dream For All is structured as shared appreciation, so paying off the loan balance does not release you from the equity share. Even if you keep the home and clear the principal you borrowed, you still owe the agreed share of the home's appreciation when the obligation comes due. That distinction is the whole ballgame before you treat any assistance money as free. A grant is money you never repay. A shared-appreciation second is money you repay plus a slice of your home's gains, and the two behave very differently over time, especially if the home appreciates a lot. Read the specific program's repayment terms carefully and confirm the current rules, since these programs change. If you want to model what the shared-appreciation payback would actually look like against your alternatives, that comparison is something we can run in a free Roadmap conversation.