First and foremost I want to warn you against the idea of a “dream college.” The people I see who get hurt by the college admission process are the ones who focus on one or two hyper-competitive schools and then don’t get in.
When the time comes (junior year) work to create a solid college list that includes reach, match, and safety schools that appear affordable (find out your parents’ budget and run the net price calculator for each school) and that you would be excited to attend. There are tons of amazing colleges and universities out there.
But FWIW it may matter to MIT that you are not on the honors math track. You should discuss placement with your math teacher and guidance counselor.