BRAC Match Program

In support of the State of Maryland's effort to welcome families who are relocating to Maryland as a result of the 2005 Base Realignment and Closure (BRAC), the Maryland Department of Housing and Community Development (DHCD) has created the BRAC Match Program. The BRAC Match Program enables eligible homebuyers who are using a Maryland Mortgage Program loan to purchase a home to receive an additional $2,500 for downpayment and/or closing cost assistance. The $2,500 is available in the form of a zero percent deferred loan that is repayable at the time of sale, transfer of the home, or upon refinance of the Maryland Mortgage Program loan. The BRAC Match can be combined with other assistance that may be available through any of DHCD's standard downpayment and closing cost assistance programs.

The BRAC Match Program

  • The BRAC Match is available to federal employees (both civilian and military) of the federal defense agencies that are relocating to Maryland due to 2005 BRAC decisions and other relocation activities. The program is also open to the employees of the defense contractors who support those agencies.
  • Relocating federal employees, if they meet the criteria as required by the relocating agency, are entitled to be reimbursed for a variety of expenses by their employer incurred as a result of a Permanent Change of Station (PCS). The assistance the employer offers is provided on a reimbursable basis; therefore, the employee must incur the expenses and then submit the appropriate documentation in order to be reimbursed for the allowable expenses. Relocation and home purchase assistance that may be provided by defense contractors will range by company.

Participation Requirements for Federal Agencies and Employees:

  • In order for eligible employees to access the BRAC Match Program, employees of federal defense agencies relocating to Maryland because of 2005 BRAC decisions or other employer relocation activities must present a copy of their relocation orders (such as their PCS Orders – DD Form 1614) that reflect eligibility for relocation related real estate expenses and services to their Maryland Mortgage Program lender at the time they apply for the Maryland Mortgage Program loan so that the lender knows to reserve the BRAC Match assistance in the amount of the $2,500.

Participation Requirements for Defense Contractors and Employees:

  • Defense contractors must provide their employee with a letter ("Contractor's Letter") stating that the employee's move is due to 2005 BRAC decisions or the relocation of other federal defense agency activities to Maryland. The letter must describe the type of relocation or home purchasing assistance that the employee is entitled to receive from the employer as a result of this move. The employee must provide this letter to their Maryland Mortgage Program lender at the time they apply for the Maryland Mortgage Program loan so that the lender knows to reserve the BRAC Match assistance in the amount of the $2,500. The Contractor's Letter will be the only documentation that will be needed by the lender in order for them to reserve the BRAC Match funds.