In this section, “Fund” means the Rental Housing Fund. There is a Rental Housing Fund. The Department shall use the Fund to operate, make loans, and pay expenses of the Rental Housing Program, including reserves for anticipated future losses directly related to the Rental Housing Program, as provided in the State budget. The Department shall administer the Fund either directly or through the Administration. The Fund consists of: money appropriated by the State for the Rental Housing Program under § 4–402 of this title; repayments and prepayments of loans made under the Rental Housing Program and from loan programs under this title that have been repealed; money appropriated under § 4–501(c) of this subtitle; money transferred to the Fund in accordance with §§ 4–502(e), 4–503(d), and 4–505(h) of this subtitle and § 3–203(i) of this article; funds received by the Department or the Administration from the federal government or other public or private sources; investment earnings of the Fund; and revenue distributed to the Fund under § 2–605.2 of the Tax – General Article. When the Department issues a binding commitment to make a loan, the Department shall withdraw from the Fund an amount equal to the commitment. Subject to § 7–209 of the State Finance and Procurement Article and except as otherwise provided in the State budget, after the first 8 months of a fiscal year the Department may transfer unencumbered money in the Fund to any other fund established under this title.