Dream Finders Homes, Inc. (0001825088) (Filer)

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (date of earliest event reported): October 9, 2026

Dream Finders Homes, Inc.

(Exact name of registrant as specified in its charter)

Registrant’s telephone number, including area code: (904) 644-7670

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2):

Securities registered pursuant to Section 12(b) of the Act:

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities Exchange Act of 1934.

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.03 Creation of a direct financial obligation or an obligation under an off-balance sheet arrangement of registrant.

On October 9, 2026, Dream Finders Homes, Inc., a Texas corporation, as borrower pursuant to its existing revolving credit facility (as amended, the “Credit Agreement”), requested an increase in the aggregate commitments, pursuant to Section 2.15 of the Credit Agreement (the “Committed Accordion Exercise”). Pursuant to the Committed Accordion Exercise, the aggregate commitments under the Credit Agreement increased by $220 million to approximately $1.7 billion. The terms of the Credit Agreement remained otherwise unchanged.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.