Home Local Maryland Government Announcement Originally published September 29, 2010


BRAC Match Program provides $2,500 to relocating civilian and military federal employees

CROWNSVILLE, Md. (September 29, 2010) – In support of Maryland’s efforts to welcome families who are relocating to Maryland due to the U.S. Military’s 2005 Base Realignment And Closure (BRAC) decision, Lt. Governor Anthony G. Brown and Maryland Department of Housing and Community Development (DHCD) Secretary Raymond A. Skinner announced that DHCD will provide extra downpayment and closing cost assistance to qualified federal civilian and military employees purchasing a home in Maryland through the Maryland Mortgage Program (MMP). The BRAC Match Program will enable eligible BRAC homebuyers to receive $2,500 in downpayment and/or closing cost assistance. BRAC Match Program assistance is provided through a zero percent deferred loan and can be combined with other downpayment and closing cost assistance programs such as the $5,000 currently available to all borrowers through the Downpayment and Settlement Expense Loan Program (DSELP).

“Throughout our preparations for BRAC, we have made it a priority to assist relocating families with the information and programs they need to make an informed decision about buying a home in Maryland,” said Lt. Governor Anthony G. Brown, Chairman of the Governor’s Subcabinet on BRAC. “In partnership with the military and the federal agencies that are relocating, we have developed the BRAC Match Program. With its increased level of downpayment and closing cost assistance, it should provide another big incentive for BRAC homebuyers to consider a Maryland Mortgage Program loan.”

The BRAC Match Program is available to civilian and military employees of the federal defense agencies that are relocating to Maryland due to BRAC and other relocation activities. The program is also open to the employees of the defense contractors who support those agencies. The BRAC Match is only available to participants in the Maryland Mortgage Program.

“With the combination of low, fixed-rate interest terms, the $100 million set-aside, and a variety of downpayment and closing cost assistance programs like the BRAC Match, the Maryland Mortgage Program can be specifically tailored to meet the needs of BRAC families,” said DHCD Secretary Raymond A. Skinner.

The Maryland Mortgage Program is the State’s flagship mortgage assistance program, primarily serving first-time homebuyers, but it can also assist previous homeowners if they are veterans or if they are purchasing a home in a targeted area. Participation in the program is also governed by income and home price limits which vary by county, and homebuyer education is required for all borrowers. For information about current interest rates, participating lenders, housing counseling, targeted areas, and other program requirements, visit

Eligible federal agency employees can access the BRAC Match Program by presenting a copy of their relocation orders, such as Permanent Change of Station Orders – DD Form 1614, to their Maryland Mortgage Program lender when they apply for the Maryland Mortgage Program loan to indicate that they are eligible for the $2,500 in BRAC Match Program assistance. The Permanent Change of Station documentation is the only documentation required to reserve BRAC Match funds. For relocating employees that do not have Permanent Change of Station orders, other official forms documenting both their employer’s relocation to Maryland from another state and the employee’s entitlement to relocation costs or expenses will also be accepted.

Defense contractor employees must provide a letter from their employer, 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 homebuying assistance the employee is entitled to receive from their employer as a result of this move. The employee then provides the “Contractor’s Letter” to the Maryland Mortgage Program lender to show their eligibility for the BRAC Match.

Lt. Governor Brown chairs the Governor’s Subcabinet on BRAC and oversees Maryland’s BRAC preparations. The state will see as many as 60,000 new jobs across Maryland as a result of BRAC. In July 2010, Lt. Governor Brown announced that $100 million in MMP assistance will be set aside specifically for mortgages in 10 BRAC-impacted jurisdictions: Anne Arundel, Baltimore, Carroll, Cecil, Frederick, Harford, Howard, Montgomery, Prince George’s Counties, and Baltimore City.