Spray a 9 x 13 or 3 qt baking dish with cooking spray.
Combine bread cubes and apples in a large bowl and mix to combine. Pour into the baking dish.
In the same bowl from the bread and apples whisk the eggs. Add half and half, milk, brown sugar, vanilla, salt, cinnamon and nutmeg and whisk until fully combined.
Pour the egg mixture over the apple and bread cubes, pushing down any cubes that aren’t fully submerged.
Top the casserole with cubes of cream cheese evenly. Cover with foil and place in the refrigerator overnight.
Remove the casserole from the refrigerator while preheating the oven to 350 degrees.
Bake for 25 minutes covered. Remove foil and continue baking for 25-35 minutes until golden brown on top and set in the middle.
Let cool for about 5-10 minutes before digging in! Serve with maple syrup if desired.