Opportunity Information: Apply for HQ003423NFOEASD15
The Department of Defense, through Washington Headquarters Services, issued a discretionary funding opportunity to carry out a focused research study on the barriers to homeownership faced by members of the U.S. Armed Forces. This effort is explicitly required by the FY2023 National Defense Authorization Act (NDAA) and is meant to produce a formal report that can be used to guide policy and program decisions affecting service members who want to buy and keep homes. The DoD intends to enter into a cooperative agreement with The Urban Institute to complete this work, signaling that the government expects to be actively involved during the project rather than simply awarding funds and waiting for a final deliverable. The overall purpose is practical: identify what is getting in the way of military homeownership, quantify key patterns, and provide actionable findings where current datasets do not fully answer the questions Congress is asking.
The study is structured around four main lines of inquiry that come directly from the NDAA language. First, it examines potential barriers that can prevent service members from buying a home or make ownership harder to sustain. The opportunity highlights several concrete examples: the difficulty of saving for down payments, worries about the cost and logistics of home maintenance (especially when members move frequently or deploy), and the challenge of selling a home when a permanent change of station requires relocation on short timelines or into unfavorable market conditions. This part of the research is intended to go beyond general statements about affordability and dig into military-specific realities such as frequent moves, uncertainty about assignment length, and the financial risk of owning a property far from where a member is currently stationed.
Second, the project must estimate the percentage of service members who use the Basic Allowance for Housing (BAH) to pay for a mortgage rather than rent. This measurement is not meant to be a single overall number; it must be broken out in a way that reveals differences across the force. The required disaggregation includes Armed Force (for example, Army, Navy, Air Force, Marine Corps, Space Force), rank, and military housing area. That level of detail is important because housing markets and BAH rates vary dramatically by location, and purchasing power can look very different for junior enlisted members compared to senior enlisted or officers. By examining these splits, the report can show where mortgage use is common, where it is rare, and where financial or market conditions may be limiting access to ownership.
Third, the study must look at whether homeownership rates differ across groups of service members in ways that correlate with income, race, or gender. This component is aimed at identifying disparities that might reflect unequal access to credit, different levels of accumulated savings, varying exposure to information about buying programs and benefits, or other structural factors. By tying homeownership outcomes to demographic and economic variables, the report is expected to help policymakers understand whether some populations within the military face steeper hurdles than others, even when they share the same overarching benefits and employment stability that military service can provide.
Fourth, the NDAA directs the study to determine what percentage of members own a home before they separate from the Armed Forces. This is a key transitional metric because separation is often a point when housing needs and financial circumstances change quickly, and owning a home prior to leaving service can shape post-service stability, wealth-building, and the ability to relocate or settle. Understanding how common pre-separation ownership is can also help determine whether existing programs are reaching service members early enough in their careers to make a difference, or whether barriers are keeping ownership concentrated among those who stay longer or reach higher ranks.
Administratively, the opportunity is identified as Funding Opportunity Number HQ003423NFOEASD15 under CFDA 12.599, categorized under Housing, and it uses a cooperative agreement as the funding instrument. The award ceiling is $100,000, with one expected award, and the posting indicates the intent to partner specifically with The Urban Institute. The opportunity was created on August 8, 2023, with an original closing date of August 14, 2023, reflecting a narrow application window that is consistent with a targeted, congressionally directed project rather than a broad, open competition. Overall, the grant is designed to produce a tightly scoped, data-informed report that answers specific statutory questions while also generating policy-relevant recommendations to address data gaps and improve the effectiveness of homeownership-related support for service members.Apply for HQ003423NFOEASD15
- The Department of Defense, Washington Headquarters Services in the housing sector is offering a public funding opportunity titled "Barriers to Home Ownership for Members of the Armed Forces Study; Report" and is now available to receive applicants.
- Interested and eligible applicants and submit their applications by referencing the CFDA number(s): 12.599.
- This funding opportunity was created on Aug 08, 2023.
- Applicants must submit their applications by Aug 14, 2023. (Agency may still review applications by suitable applicants for the remaining/unused allocated funding in 2026.)
- Each selected applicant is eligible to receive up to $100,000.00 in funding.
- The number of recipients for this funding is limited to 1 candidate(s).
- Eligible applicants include: Others (see text field entitled Additional Information on Eligibility for clarification).
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