# Presentation: 602238

## HUD RHIIP Training – PH/HCV Program Basics

- Chapter 4: Basic Program Overview

- May 2003

## Learning Objectives

- Explain the legal relationships of a PHA
- Review family types which impact rent calculation
- Review the program basics of calculating income, assets, allowances and deductions and rent
- Apply correct program terminology

- Chapter 4: Basic Program Overview

- May 2003

## Slide 3

- Chapter 4: Basic Program Overview

- May 2003

## PHA Structure

- PHAs receive their structure and powers under state law
- Public corporation w/board of directors
- can be a department of a local entity
- Contract with HUD under an ACC for funding to operate the PH and HCV programs

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- May 2003

## PHA Structures Are Different

- Vary State to State
- Titles differ within PHAs
- Scopes of responsibility differ
- BUT . . . All agencies that operate the HCV program must follow same HUD rules, and all agencies are rated under SEMAP and...

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- May 2003

## PHA Structures Are Different

- All agencies that operate the Public Housing program must follow same HUD rules, and all agencies are rated under PHAS

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- May 2003

## In Public Housing, families have to live in the building which has the subsidy attached to it

**Project-based**** Subsidy**

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## PHA

***Lease***

*PHA*

*Family*

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## Type of Projects

- Mixed Population (Elderly & Disabled)
- Elderly Only
- Disabled Only
- General Occupancy

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- May 2003

## Tenant-Based Subsidy

- Families can choose their unit

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- May 2003

## Voucher

**Voucher**

**HAP Contract**

**Assisted Lease**

**PHA/LOCAL ENTITY**

**HUD**

**Family**

**Owner**

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- May 2003

## T/F Quiz

- 1.  HUD’s role is to pass legislation.
- PHAs are created by HUD.
- 3.  PH is tenant-based assistance.
- All PHAs are a department of the city.

**F**

**F**

**F**

**F**

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- May 2003

## Mandatory References

- Statutes
- Regulations
- Public Housing:  960 and 966
- HCV:  982
- Both: Subpart 5

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- May 2003

## Mandatory References

- Current Notices
- Have an expiration date
- May be extended
- Handbooks
- Forms
- Often have instructions in addition to form

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- May 2003

## Optional References

- Guidebooks
- Letters from individual HUD staff giving guidance
- Notices which have expired (unless changed by mandatory reference)
- Handbooks which have expired (unless changed by mandatory reference)

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- May 2003

## Role of Field Office Staff

- Answer questions based on mandatory references
- Refer to HUD Guidebooks but make sure staff know that if the guidance is used by the PHA, it should be included in the PHA’s policy (Admin Plan or ACOP)

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- May 2003

## Family ReportForm HUD-50058

- Chapter 4: Basic Program Overview

- May 2003

## Understanding the Form

**The HUD-50058 is a primary document to review**
**Therefore, the reviewer must:**
- Understand each line of the form affecting income and rent calculation applicable to the program being reviewed
- Know where references can be located

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- May 2003

## Form HUD-50058

- Purpose is to provide HUD with data on who participates in subsidized housing programs
- HUD uses data to:
- Analyze the housing programs
- Monitor PHAs
- Detect fraud
- Provide information to Congress
- Provide information to other interested parties

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- May 2003

## Form HUD-50058

- PHA responsibilities
- Collect information
- Electronically submit information to HUD
- Review error analysis reports
- Correct errors

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## HUD-50058  Family Report

- Agency
- Action
- Household
- Background at Admission
- Unit to Be Occupied
- Assets
- Income (Annual Income)

- Chapter 4: Basic Program Overview

- May 2003

## HUD-50058  Family Report

- Expected Income Per Year (Adjusted Income)
- Total Tenant Payment
- Public Housing only
- Premerger Certificates (now used for project-based certificates only)
- Sec 8 Voucher Rent Calculation
- Section 8 Moderate Rehabilitation Program

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- May 2003

## HUD-50058  Family Report

- Manufactured Home Owner Renting the Space - Premerger Certificates (not used)
- Sec 8 Homeownership (Vouchers)
- Indian Mutual Help (IHAs only)
- FSS/Welfare to Work Addendum

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- May 2003

## Question

- Which sections will affect income and rent calculation the most?

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- May 2003

## Form HUD-50058 References

- PIH Home Page:
- _www.hud.gov/offices/pih/index.cfm_
- PIC home page:
- _[www.hud.gov/offices/pih/systems/pic/index.cfm](http://www.hud.gov/offices/pih/systems/pic/index.cfm)_
- MTCS Forum:
- _http://chatwrite.hud.gov/pih/pihboard/mtcs/pihboard.html_
- Guidebooks and Tools:
- _www.hud.gov/offices/pih/systems/pic/50058/pubs/_

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## Page Heading

-  At the top of every page of the HUD-50058:
- The head of household’s name
- The head of household’s SSN
- The date modified

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## Section 1: Agency

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## Family Composition

- Basic information about family composition and characteristics is important for:
- Establishing the eligibility for admission and continued occupancy
- The family’s qualifications for deductions and allowance
- The appropriate unit size and type for family
- The appropriate subsidy standard for the family (HCV)

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## Section 3: Household

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## Family Types

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## Terms

- Household
- Family

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## Definition of Family

- HUD defines:
- elderly family
- disabled family
- displaced family
- Does not affect rent calculation

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## Definition of Family

- The PHA defines what groups other than the HUD-defined groups constitute a family

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## Elderly Family

- Family whose head, spouse or sole member is at least 62 years of age

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## Disabled Family

- Family whose head, spouse or sole member is a person with disabilities

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## Live-In Aide

- Person who resides in unit to care for family member who is:
- disabled or
- 50 years of age or more

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## Live-In Aide Criteria

- Live-in aide is:
- essential to care/well being of person
- not obligated for support of person
- wouldn’t be living in unit except to provide necessary supportive services
- Must approve as reasonable accommodation for person with disability
- Live-in aide is a “household” member

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## Employed Live-in Aide

- Live-in aides can, and often do, work outside the home
- Because they are not ‘family’ members, all income is excluded

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## Social Security Number Requirements

- All family members age six and over who have Social Security Numbers are required to disclose them

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## Social Security Numbers

- If family member has no social security number and they are age 6 or older, they must sign certification
- Parent or guardian signs for minor

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## Social Security Number Requirements

- If family member has SSN but cannot verify, they sign certification
- Individual has 60 days from date of certification to verify SSN
- Elderly may be granted 60 day extension

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## Failure to Disclose Social Security Number

- Applicants - denial of assistance
- Participants - termination of assistance

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## T/F Quiz

- 1.	Live-in aides can be employed outside the home
- 2. Households include live-in aides; families do not.
- 3. The definition for “disabled family” includes any family member who is a person with a disability

**T**

**T**

**F**

- Chapter 4: Basic Program Overview

- May 2003

## T/F Quiz

- 4. An individual has 60 days from date of certification to provide verification of their SSN
- 5. “Family” is defined by HUD.

**T**

**F**

- Chapter 4: Basic Program Overview

- May 2003

## Citizenship/Eligible Immigrant

- C/EI

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## Restriction on Assistance to Noncitizens

- Purpose is to ensure that only citizens, nationals and eligible immigrants are assisted with HUD subsidy

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## Eligibility for Assistance

- The eligibility of *each* individual in the family must be established
- Individuals will fall into one of these categories:**	**

- Citizens
- Eligible immigrants 62 or older
- Other eligible immigrants
- Ineligibles, including noncitizen students on student visas

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## Families will fall into one of these categories

- All members are citizens or eligible immigrants
- Some members are eligible and some are ineligible (Mixed Family)
- All members are ineligible

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## Family Categories

- An ELIGIBLE family will be comprised of citizen(s), national(s) or noncitizen(s) with eligible immigration status
- An INELIGIBLE family is one in which no member is a citizen, national or eligible immigrant

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## Mixed Family

- A MIXED family is comprised of citizen(s), or eligible immigrant(s), and those without citizenship or eligible immigrant status

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## Procedures after Determining Family Status

- Eligible families are admitted with full subsidy
- Mixed families eligible for prorated assistance
- Ineligible families denied assistance or assistance is terminated

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## Verification Requirements

- Verification of citizenship or national status is provided directly by the family by certification:
- Persons who claim citizenship status
- Persons 62 and older who claim eligible immigration status (verify age)
- Persons who declare themselves ineligible or don’t contend status

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## Verification Requirements

- Verification is required for all other noncitizens who claim eligible immigration status (except for persons 62+, who must sign declaration and provide proof of age) ...
- ...continued

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## Verification Requirements

- Verification required....
- Signed declaration form
- INS card or other INS document
- Signed verification consent
- Must use INS SAVE
- Note: SAVE system changing from telephone to online access

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- May 2003

## Documentation

- Declaration of 214 Status
- Verification Consent Form
- Listing of Non-contending Family Members
- Notice of Section 214 Requirements

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## Terms(Will define when covered) 

- Annual Income
- Adjusted Annual Income
- Total Tenant Payment
- Utility Allowance
- Utility Reimbursement payment

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## Terms (continued)(Will define when covered) 

- Flat rent (PH)
- Ceiling Rent (PH)
- Tenant Rent (PH)

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## HCV Terms

- Rent to Owner = total rent paid to owner
- Gross Rent = rent to owner plus Utility Allowance
- Total HAP = HAP plus Utility Reimbursement, if any
- ... continued

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## HCV Terms...

- Total Family Share: Family Rent to Owner + Utility Allowance
- Tenant Rent to Owner
- HAP to Owner = check sent to owner for PHA portion of rent to owner

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## Annual Income

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## Annual Income

- All amounts, monetary or not:
- On behalf of the family
- Anticipated over the next 12 months
- Not excluded in 24 CFR 5.609(c)
- Also includes income from assets to which family  has access

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- May 2003

## Computing Annual Income

- Total/Gross Income
- _- Exclusions           _
- = Annual Income

**Formula**

- Chapter 4: Basic Program Overview

- May 2003

## Computing Annual Income

- PHAs are now required to show excluded income of family members on the HUD-50058

**5400**

**4920**

**480**

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- May 2003

## Converting Income

- Convert earned income to an annual wage
- Multiply hourly wages by the number of hours worked per year (2080 for full-time)

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- May 2003

## Converting Income

**Converting Income**

-  Multiply  weekly wages by 52
-  Multiply bi-weekly wages by 26
-  Multiply semi-monthly wages by 24
-  Multiply monthly wages by 12

- X

**=**

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- May 2003

## Annual Income

- Employment income
- prior to payroll deductions
- includes overtime, commissions, fees, and bonuses

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## Seasonal Employment

- Presents a challenge for anticipating income
- Sometimes employer can’t give accurate estimation
- Many variables could affect work the schedule and subsequent income:
- Weather conditions
- Demand for work
- Other interruptions

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- May 2003

## Seasonal Employment

- If an employer cannot give estimate of anticipated income for next 12 months
- May use last year’s income as best indicator of expected future income
- May annualize income over shorter period, then conduct interim at the end of the shorter period or when changes occur

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## Seasonal Employment

- PHAs should develop policies for calculation of seasonal income

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## Seasonal Work Question

- Clyde Kunkel is a roofer
- Works April through September
- Can’t work in bad weather
- Employer provides income over past 3 years, both regular and overtime
- How do we calculate Mr. Kunkel’s anticipated income?

- Chapter 4: Basic Program Overview

- May 2003

## Possible Answers

- Use average number of regular hours over past 3 years times current regular pay rate
- PLUS
- Use average overtime hours from past 3 years times current overtime rate
- OR...
- Annualize current income and conduct an interim when there is a change
- Address treatment in PHA policies

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- May 2003

## Adult Full Time Student

- For Head, Spouse or Co-Head full time students, count all employment income
- For Adult Full Time Students who qualify as dependents, count only the first $480 of employment income
- How do we determine the student is full time?

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- May 2003

## Adult Full Time Student

**The educational institution determines the full time status of the student**
- Vocational Schools included

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## Income of Minors

- Include any benefits or other non-earned income paid directly to minors
- Who is a minor?

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## Military Pay

- Count all regular pay, special pay and allowances of member in armed forces
- Do not count special duty pay received for being exposed to hostile fire

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## Gifts and Contributions

- Count regular contributions made to the family
- Would include the regular payment of a utility bill
- Don’t count sporadic gifts such as birthday presents

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## Periodic Payments and Allowances

- Periodic payments
- Social Security (gross - prior to Medicare deduction)
- If benefits reduced to make up for prior overpayments by SS, count amount actually received

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## Periodic Payments and Allowances

- Annuities
- Insurance policies
- Pensions
- Disability
- Death benefits

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## Periodic Payments and Allowances

- Alimony and child support
- Count amounts awarded as part of divorce or settlement agreement unless otherwise verified
- applicant certification
- effort to collect amounts, including filing with courts or agencies responsible for enforcing payments

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## Lump Sum Payments

**Lump Sum Payments**

- Income
- Processing delays of periodic payments such as welfare or unemployment

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## Lump Sum Payments

**Lump Sum Payments**

- Assets, not Income
- Inheritances
- Insurance payments such as worker’s comp
- Capital gains
- Settlements for personal and property losses
- Deferred periodic payments of Social Security Disability or SSI

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## Income From a Business

- Includes self-employment
- Count net: income minus expenses
- Expenses may include depreciation and interest payments on loans
- Expenses do not include expansion or capital improvements

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## Public Assistance

- Temporary Assistance for Needy Families
- SSI
- General Assistance
- Imputed welfare income covered in case study during week

- Chapter 4: Basic Program Overview

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## Public Assistance Income in As-Paid States

- Only 3 States
- Special calculation of  income for those states
- Also special calculation of TTP (total tenant payment) which includes Welfare Rent

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## Payments in Lieu of Earnings 

- Unemployment
- Workers compensation
- Severance pay

**Figure for entire year **
**when income for other weeks**
** ****is not known**

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## Pop Question

- Which of the following is not considered to be “income” in the HUD definition?
- Wages from employment
- TANF benefits
- A lump sum inheritance
- Net income from a business

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## Pop Question

- Which of the following is not considered to be “income” in the HUD definition?
- Wages from employment
- TANF benefits
***A lump sum inheritance ***
- Net income from a business

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## Section 7: Income

- Chapter 4: Basic Program Overview

- May 2003

**Notes:**
Household includes everyone who lives in the unit
Family includes all household members except live-in aides and foster children
Member number 01 is Head of household
Member number 02 is spouse or co-head. If no spouse or co-head, list other household members
RELATION CODES
S = Spouse, the marriage partner of the head of household
K = Co-head, an individual equally responsible for the lease. A household may have either a spouse or a co-head, but never both. 
F = Foster child/adult
Y = Other youth under 18 
E = Full-time student 18+ (other than head, spouse, co-head, foster individual) who is considered full-time by the attended educational institution.  The institution may be a vocational school with a diploma/certificate program, or a degree-granting institution)
L = Live-in aide: A person who lives with a disabled, elderly, or near-elderly person who is
Determined to be essential to the care and well-being of the person
Not obligated for the support of the person
Would not be otherwise living in the unit except to provide the needed care.
   Note that the children of a live-in aide are also coded as L
A = Other adult
3i = individual U.S. citizenship status
3j = disability meeting HUD’s definitions 
3k = race
3m = ethnicity
3n = SSN: normally the 9 digit SSN issued by the Social Security Administration. (For individuals not possessing SSNs: as of 6/25/02, instructions to agencies are to use nine 9s. This rejects when transmitted.  Announced update states  

## Section 7: Income

**Julie**

**Karen**

**Tony**

**Eric**

**1**

**2**

**3**

**4**

**W**

**W**

**W**

**S**

**10.25 x 2080**

**150 x 52**

**100 x 52**

**300 x 12**

**21,320**

**7,800**

**5,200**

**3,600**

**21,320**

**3,600**

**5,200**

**0**

**480**

**7,320**

**25,400**

**155**

**6j = 155**

**25,555**

- Chapter 4: Basic Program Overview

- May 2003

**Notes:**
Household includes everyone who lives in the unit
Family includes all household members except live-in aides and foster children
Member number 01 is Head of household
Member number 02 is spouse or co-head. If no spouse or co-head, list other household members
RELATION CODES
S = Spouse, the marriage partner of the head of household
K = Co-head, an individual equally responsible for the lease. A household may have either a spouse or a co-head, but never both. 
F = Foster child/adult
Y = Other youth under 18 
E = Full-time student 18+ (other than head, spouse, co-head, foster individual) who is considered full-time by the attended educational institution.  The institution may be a vocational school with a diploma/certificate program, or a degree-granting institution)
L = Live-in aide: A person who lives with a disabled, elderly, or near-elderly person who is
Determined to be essential to the care and well-being of the person
Not obligated for the support of the person
Would not be otherwise living in the unit except to provide the needed care.
   Note that the children of a live-in aide are also coded as L
A = Other adult
3i = individual U.S. citizenship status
3j = disability meeting HUD’s definitions 
3k = race
3m = ethnicity
3n = SSN: normally the 9 digit SSN issued by the Social Security Administration. (For individuals not possessing SSNs: as of 6/25/02, instructions to agencies are to use nine 9s. This rejects when transmitted.  Announced update states  

## Learning Activity 4-1

- Calculating Annual Income

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## Learning Activity 4-1 Answers

- Eric              1        N        600x12        7,200                                  7,200

- Eve              2        W      6.25x2080   13,000                                13,000

- 20,200

**20,200**

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## Assets and Asset Income

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## Assets

- Value of assets may affect annual income
- PHA must identify assets and verify market value of assets

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## Assets Include

- Savings and checking accounts
- PHAs establish policies for determining value of accounts
- May elect to count current balances or average balances for a given period (2 months, 6 months, etc.)

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## Assets Include

- Stock, bonds, money market funds
- Equity in property, other capital investments
- Cash value of trusts available to household
- Retirement savings accounts, less penalties for withdrawal

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## Assets Include

- Contributions to company retirement/pension funds
- Count only amounts family can withdraw without retiring or quitting
- After retirement, count as income regular periodic payments

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## Assets Include

- Assets which allow unrestricted access
- Lump sum receipts
- Inheritances, capital gains, lottery winnings
- Social security & SSI lump sum payments

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## Assets Include

- Personal property held as investment
- gems, jewelry,
- coin collections,
- antique cars, etc.
- Surrender value of life insurance policies

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## Assets Do Not Include

- Personal property
- Assets not accessible to the family
- Interest in Indian Trust lands

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## Income from Assets

- Assets can generate income
- Income from assets is counted in determining annual income

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## Income from Assets:Examples

- Examples of income from assets
- Interest
- Dividends
- Net income from real or personal property
- Asset income of minors is counted as income (Ex: interest on savings account)

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## Income from Assets

- When net cash value of family assets are $5,000 or less, actual asset income is used
- When net cash value of family assets exceed $5,000, asset income is the greater of:
- Actual asset income, or
- Imputed asset income
- Net family assets x HUD-supplied passbook rate

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## Section 6: Assets

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**Notes:**
Household includes everyone who lives in the unit
Family includes all household members except live-in aides and foster children
Member number 01 is Head of household
Member number 02 is spouse or co-head. If no spouse or co-head, list other household members
RELATION CODES
S = Spouse, the marriage partner of the head of household
K = Co-head, an individual equally responsible for the lease. A household may have either a spouse or a co-head, but never both. 
F = Foster child/adult
Y = Other youth under 18 
E = Full-time student 18+ (other than head, spouse, co-head, foster individual) who is considered full-time by the attended educational institution.  The institution may be a vocational school with a diploma/certificate program, or a degree-granting institution)
L = Live-in aide: A person who lives with a disabled, elderly, or near-elderly person who is
Determined to be essential to the care and well-being of the person
Not obligated for the support of the person
Would not be otherwise living in the unit except to provide the needed care.
   Note that the children of a live-in aide are also coded as L
A = Other adult
3i = individual U.S. citizenship status
3j = disability meeting HUD’s definitions 
3k = race
3m = ethnicity
3n = SSN: normally the 9 digit SSN issued by the Social Security Administration. (For individuals not possessing SSNs: as of 6/25/02, instructions to agencies are to use nine 9s. This rejects when transmitted.  Announced update states  

## Section 6: Assets

**Julie**

**Karen**

**Tony**

**1**

**2**

**3**

**CD**

**savings**

**savings**

**$3600-$100**

**3500**

**2200**

**  ****500**

**6200**

**90**

**44**

**7**

**141**

**025**

**155**

**155**

**2.5%**

**2.0%**

**1.3%**

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**Notes:**
Household includes everyone who lives in the unit
Family includes all household members except live-in aides and foster children
Member number 01 is Head of household
Member number 02 is spouse or co-head. If no spouse or co-head, list other household members
RELATION CODES
S = Spouse, the marriage partner of the head of household
K = Co-head, an individual equally responsible for the lease. A household may have either a spouse or a co-head, but never both. 
F = Foster child/adult
Y = Other youth under 18 
E = Full-time student 18+ (other than head, spouse, co-head, foster individual) who is considered full-time by the attended educational institution.  The institution may be a vocational school with a diploma/certificate program, or a degree-granting institution)
L = Live-in aide: A person who lives with a disabled, elderly, or near-elderly person who is
Determined to be essential to the care and well-being of the person
Not obligated for the support of the person
Would not be otherwise living in the unit except to provide the needed care.
   Note that the children of a live-in aide are also coded as L
A = Other adult
3i = individual U.S. citizenship status
3j = disability meeting HUD’s definitions 
3k = race
3m = ethnicity
3n = SSN: normally the 9 digit SSN issued by the Social Security Administration. (For individuals not possessing SSNs: as of 6/25/02, instructions to agencies are to use nine 9s. This rejects when transmitted.  Announced update states  

## Learning Activity 4-2

- Calculating Assets and Asset Income

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## Learning Activity 4-2 Answers

- Calculating Assets and Asset Income

- Eric                    1     Savings                               1,000                 20

-  1,000                 20

- 0225

-    0

**20**

-  1000
- _x .02_
-     20

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## Income Excluded under HUD Regulations

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## Income Exclusions

- Listed on Fact Sheet
- Must be included on HUD-50058 form

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## Income Exclusions

- Income of a live-in aide
- Amounts received under training programs funded by HUD

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## Income Exclusions

- Resident service stipend
- Modest amount (not to exceed $200 per month) received by a resident for performing a service for the PHA

- Chapter 4: Basic Program Overview

- May 2003

## Income Exclusions

- Training income exclusions
- Incremental earnings and benefits to any family member during participation in a qualified training program

- Chapter 4: Basic Program Overview

- May 2003

## Income Exclusions- Example

- A family member receives $600 in TANF
- She enrolls in a qualified State training program and receives training income of $900 monthly
- TANF benefits stop
- What amount of monthly income would be counted for this family member?

- Chapter 4: Basic Program Overview

- May 2003

## Income Exclusions- Example (Answer)

- A family member receives $600 in TANF. She enrolls in a qualified State training program and receives training income of $900 monthly. TANF benefits stop. What amount of monthly income would be counted for this family member?
***$600***

- Chapter 4: Basic Program Overview

- May 2003

## Income Exclusions

- Adoption assistance payments in excess of $480 per adopted child

- Chapter 4: Basic Program Overview

- May 2003

## Income Exclusions Under Other Federal Statutes

**Income Exclusions Under Other Federal Statutes**

- Chapter 4: Basic Program Overview

- May 2003

## Federally-Mandated Income Exclusions

- Published periodically in the Federal Register
- Most recent list published April 20, 2001
- Listed on Fact Sheet
- Must be included on HUD-50058 form

- Chapter 4: Basic Program Overview

- May 2003

## Learning Activity 4-3

- Identifying income and assets
- Page 4-37

- Chapter 4: Basic Program Overview

- May 2003

## Adjusted Income

- Chapter 4: Basic Program Overview

- May 2003

## Adjusted Income

- Annual Income minus allowances
- Dependents
- Elderly/disabled allowance
- Child care
- Medical expenses
- Disability expenses

- Chapter 4: Basic Program Overview

- May 2003

## Permissive DeductionsPublic Housing Only

- A PHA may adopt additional deductions from annual income
- The PHA must establish a written policy for such deductions

- Chapter 4: Basic Program Overview

- May 2003

## Permissive DeductionsPublic Housing Only

- These deductions should not
- Duplicate amounts already deducted from annual income
- Include amounts reimbursed to the family from other sources

- Chapter 4: Basic Program Overview

- May 2003

## Section 8: Expected Income Per Year

- Chapter 4: Basic Program Overview

- May 2003

**Notes:**
Household includes everyone who lives in the unit
Family includes all household members except live-in aides and foster children
Member number 01 is Head of household
Member number 02 is spouse or co-head. If no spouse or co-head, list other household members
RELATION CODES
S = Spouse, the marriage partner of the head of household
K = Co-head, an individual equally responsible for the lease. A household may have either a spouse or a co-head, but never both. 
F = Foster child/adult
Y = Other youth under 18 
E = Full-time student 18+ (other than head, spouse, co-head, foster individual) who is considered full-time by the attended educational institution.  The institution may be a vocational school with a diploma/certificate program, or a degree-granting institution)
L = Live-in aide: A person who lives with a disabled, elderly, or near-elderly person who is
Determined to be essential to the care and well-being of the person
Not obligated for the support of the person
Would not be otherwise living in the unit except to provide the needed care.
   Note that the children of a live-in aide are also coded as L
A = Other adult
3i = individual U.S. citizenship status
3j = disability meeting HUD’s definitions 
3k = race
3m = ethnicity
3n = SSN: normally the 9 digit SSN issued by the Social Security Administration. (For individuals not possessing SSNs: as of 6/25/02, instructions to agencies are to use nine 9s. This rejects when transmitted.  Announced update states  

## Section 8: Expected Income Per Year

- Chapter 4: Basic Program Overview

- May 2003

**Notes:**
Household includes everyone who lives in the unit
Family includes all household members except live-in aides and foster children
Member number 01 is Head of household
Member number 02 is spouse or co-head. If no spouse or co-head, list other household members
RELATION CODES
S = Spouse, the marriage partner of the head of household
K = Co-head, an individual equally responsible for the lease. A household may have either a spouse or a co-head, but never both. 
F = Foster child/adult
Y = Other youth under 18 
E = Full-time student 18+ (other than head, spouse, co-head, foster individual) who is considered full-time by the attended educational institution.  The institution may be a vocational school with a diploma/certificate program, or a degree-granting institution)
L = Live-in aide: A person who lives with a disabled, elderly, or near-elderly person who is
Determined to be essential to the care and well-being of the person
Not obligated for the support of the person
Would not be otherwise living in the unit except to provide the needed care.
   Note that the children of a live-in aide are also coded as L
A = Other adult
3i = individual U.S. citizenship status
3j = disability meeting HUD’s definitions 
3k = race
3m = ethnicity
3n = SSN: normally the 9 digit SSN issued by the Social Security Administration. (For individuals not possessing SSNs: as of 6/25/02, instructions to agencies are to use nine 9s. This rejects when transmitted.  Announced update states  

## Learning Activity 4-4

- Calculating Adjusted Income

- Chapter 4: Basic Program Overview

- May 2003

## Learning Activity 4-4 Answers

- _Line 8a  $20,220_

-    1

- 480

-  **480**

- _Line 8x    $     480_
- _Line 8y    $19,740_

- Chapter 4: Basic Program Overview

- May 2003

## Formula for TTP

- TTP is highest of:
- 	30% monthly adj. Income
- 	10% total monthly income
- 	the welfare rent
- 	minimum rent

- Chapter 4: Basic Program Overview

- May 2003

## Section 9: Total Tenant Payment (TTP)

- Chapter 4: Basic Program Overview

- May 2003

**Notes:**
Household includes everyone who lives in the unit
Family includes all household members except live-in aides and foster children
Member number 01 is Head of household
Member number 02 is spouse or co-head. If no spouse or co-head, list other household members
RELATION CODES
S = Spouse, the marriage partner of the head of household
K = Co-head, an individual equally responsible for the lease. A household may have either a spouse or a co-head, but never both. 
F = Foster child/adult
Y = Other youth under 18 
E = Full-time student 18+ (other than head, spouse, co-head, foster individual) who is considered full-time by the attended educational institution.  The institution may be a vocational school with a diploma/certificate program, or a degree-granting institution)
L = Live-in aide: A person who lives with a disabled, elderly, or near-elderly person who is
Determined to be essential to the care and well-being of the person
Not obligated for the support of the person
Would not be otherwise living in the unit except to provide the needed care.
   Note that the children of a live-in aide are also coded as L
A = Other adult
3i = individual U.S. citizenship status
3j = disability meeting HUD’s definitions 
3k = race
3m = ethnicity
3n = SSN: normally the 9 digit SSN issued by the Social Security Administration. (For individuals not possessing SSNs: as of 6/25/02, instructions to agencies are to use nine 9s. This rejects when transmitted.  Announced update states  

## Section 9: Total Tenant Payment (TTP)

**1,525**

**2,130**

**213**

**30**

**458**

**0**

**25**

- 458

**350**

**N**

- Chapter 4: Basic Program Overview

- May 2003

**Notes:**
Household includes everyone who lives in the unit
Family includes all household members except live-in aides and foster children
Member number 01 is Head of household
Member number 02 is spouse or co-head. If no spouse or co-head, list other household members
RELATION CODES
S = Spouse, the marriage partner of the head of household
K = Co-head, an individual equally responsible for the lease. A household may have either a spouse or a co-head, but never both. 
F = Foster child/adult
Y = Other youth under 18 
E = Full-time student 18+ (other than head, spouse, co-head, foster individual) who is considered full-time by the attended educational institution.  The institution may be a vocational school with a diploma/certificate program, or a degree-granting institution)
L = Live-in aide: A person who lives with a disabled, elderly, or near-elderly person who is
Determined to be essential to the care and well-being of the person
Not obligated for the support of the person
Would not be otherwise living in the unit except to provide the needed care.
   Note that the children of a live-in aide are also coded as L
A = Other adult
3i = individual U.S. citizenship status
3j = disability meeting HUD’s definitions 
3k = race
3m = ethnicity
3n = SSN: normally the 9 digit SSN issued by the Social Security Administration. (For individuals not possessing SSNs: as of 6/25/02, instructions to agencies are to use nine 9s. This rejects when transmitted.  Announced update states  

## Learning Activity 4-5

- Calculating TTP

- Chapter 4: Basic Program Overview

- May 2003

## Learning Activity 4-5 Answers

- 1685

- 169

- 1645

-  30

-  494

-  0

-   25

-  **494**

- _Line 8a    $ 20,220_
- _Line 8y    $ 19,740_

- Chapter 4: Basic Program Overview

- May 2003

## Utility Allowance      

- PHAs are required to establish and maintain Utility Allowance schedules
- A Utility Allowance is that amount approved by the PHA for reasonable monthly costs of local utility consumption
- Families responsible for utility costs (excluding telephone) will see a Utility Allowance applied to their rent calculation

- Chapter 4: Basic Program Overview

- May 2003

## Allowance for Tenant- Supplied Appliances-HCV Only     

- For HCV participants, PHAs must also establish allowances for tenant-supplied appliances such as ranges & refrigerators
- Only allowed when owner does not provide the appliance
- Covers cost of the appliance itself, not energy used to operate the appliance

- Chapter 4: Basic Program Overview

- May 2003

## Overview of Calculation of Public Housing Tenant Rent

- Chapter 4: Basic Program Overview

- May 2003

## Definitions for Income Based Rent

- Tenant Rent – amount payable by the family as rent to the PHA
- Utility Reimbursement – amount by which utility allowance exceeds TTP
- Income Based Rent – rent based upon family income, allowances and deductions

- Chapter 4: Basic Program Overview

- May 2003

## Calculation of TTP and Tenant Rent

- To get Tenant Rent, subtract the utility allowance (UA) from TTP
- If UA is greater than the TTP, Tenant Rent is zero and there is a Utility Reimbursement Payment (URP)
- The URP is the difference between the TTP and the Utility Allowance
- (Tenant credit on line 10f of HUD-50058)

- Chapter 4: Basic Program Overview

- May 2003

## Section 10: Public Housing 

- Chapter 4: Basic Program Overview

- May 2003

**Notes:**
Household includes everyone who lives in the unit
Family includes all household members except live-in aides and foster children
Member number 01 is Head of household
Member number 02 is spouse or co-head. If no spouse or co-head, list other household members
RELATION CODES
S = Spouse, the marriage partner of the head of household
K = Co-head, an individual equally responsible for the lease. A household may have either a spouse or a co-head, but never both. 
F = Foster child/adult
Y = Other youth under 18 
E = Full-time student 18+ (other than head, spouse, co-head, foster individual) who is considered full-time by the attended educational institution.  The institution may be a vocational school with a diploma/certificate program, or a degree-granting institution)
L = Live-in aide: A person who lives with a disabled, elderly, or near-elderly person who is
Determined to be essential to the care and well-being of the person
Not obligated for the support of the person
Would not be otherwise living in the unit except to provide the needed care.
   Note that the children of a live-in aide are also coded as L
A = Other adult
3i = individual U.S. citizenship status
3j = disability meeting HUD’s definitions 
3k = race
3m = ethnicity
3n = SSN: normally the 9 digit SSN issued by the Social Security Administration. (For individuals not possessing SSNs: as of 6/25/02, instructions to agencies are to use nine 9s. This rejects when transmitted.  Announced update states  

## Utility Allowances

**TTP         ****	****       $80**
**- UA****	****       ****	****        **_** 50**_
**Tenant Rent       $30**

**TTP****	****	****   40**
**- UA****	****             **_** 50**_
**Tenant Rent****	****    0**
**URP****	****	****$10**

- Chapter 4: Basic Program Overview

- May 2003

## Section 10: Public Housing 

** ****80**

**600**

** ****80**

** ****50**

**30**

**X**

- Chapter 4: Basic Program Overview

- May 2003

**Notes:**
Household includes everyone who lives in the unit
Family includes all household members except live-in aides and foster children
Member number 01 is Head of household
Member number 02 is spouse or co-head. If no spouse or co-head, list other household members
RELATION CODES
S = Spouse, the marriage partner of the head of household
K = Co-head, an individual equally responsible for the lease. A household may have either a spouse or a co-head, but never both. 
F = Foster child/adult
Y = Other youth under 18 
E = Full-time student 18+ (other than head, spouse, co-head, foster individual) who is considered full-time by the attended educational institution.  The institution may be a vocational school with a diploma/certificate program, or a degree-granting institution)
L = Live-in aide: A person who lives with a disabled, elderly, or near-elderly person who is
Determined to be essential to the care and well-being of the person
Not obligated for the support of the person
Would not be otherwise living in the unit except to provide the needed care.
   Note that the children of a live-in aide are also coded as L
A = Other adult
3i = individual U.S. citizenship status
3j = disability meeting HUD’s definitions 
3k = race
3m = ethnicity
3n = SSN: normally the 9 digit SSN issued by the Social Security Administration. (For individuals not possessing SSNs: as of 6/25/02, instructions to agencies are to use nine 9s. This rejects when transmitted.  Announced update states  

## Ceiling Rents

- Purpose
- to set a maximum rent families will pay in PH, regardless of how high their income goes
- Used prior to 10/1/99 in lieu of Flat Rents

- Chapter 4: Basic Program Overview

- May 2003

## Retaining Ceiling Rents

- As of 10/1/2002, ceiling rents must be adjusted to flat rent level

- Chapter 4: Basic Program Overview

- May 2003

## Flat Rents

- Effective for families admitted or recertified on/after 10/1/99
- Each PHA must establish a flat rent for each unit
- Flat Rent has no formula based limit on what tenant pays.  Utility Allowances are not deducted.  Flat Rent = THE RENT.

- Chapter 4: Basic Program Overview

- May 2003

## Flat Rents

- Flat rent is:
- based on PHA determination of rental value of the unit
- designed to not create a disincentive for families to stay in PH as their income increases

- Chapter 4: Basic Program Overview

- May 2003

## Flat Rents

- Recertifications are done not less than once every 3 years
- annual reexamination of family composition

- Chapter 4: Basic Program Overview

- May 2003

## Flat Rent Methodology

- Market value is rent which would allow the unit to be successfully rented if it wasn’t PH
- Acceptable methodology incorporates the same nine factors used in Section 8 Rent Reasonableness methodology

- Chapter 4: Basic Program Overview

- May 2003

## Flat Rent Methodology

- Relevant factors must include:
- Age
- Location
- Quality
- Amenities
- Size of Unit

- Housing services
- Maintenance
- Utilities provided by PHA
- Unit type

- Chapter 4: Basic Program Overview

- May 2003

## Flat Rents: Family Choice

- Families elect annually whether to pay income-based or flat rent
- If family elects to pay income-based rent, family may not switch to flat rent until the next annual reexamination

- Chapter 4: Basic Program Overview

- May 2003

## Flat Rents: Family Choice

- If family has elected to pay flat rent but has a hardship and is unable to pay, the PHA must allow the family to switch to income-based rent
- Income needs to be reviewed only every 3 years

- Chapter 4: Basic Program Overview

- May 2003

## Switching Rent Determination Methods

- Allowable hardships to switch from flat to income-based rent
- income decreased due to family circumstances
- loss or reduction of employment or other income
- death in the family

- Chapter 4: Basic Program Overview

- May 2003

## Switching Rent Determination Methods

- Allowable hardships to switch from flat to income-based rent
- expenses increased, due to changed circumstances
- medical costs
- child care
- transportation, education or similar items
- other situations in PHA policy

- Chapter 4: Basic Program Overview

- May 2003

## Learning Activity 4-6

- Calculating Tenant Rent

- Chapter 4: Basic Program Overview

- May 2003

## Learning Activity 4-6 Answers 

- X

- 494

- 700

- 494

- 45

**449**

- Chapter 4: Basic Program Overview

- May 2003

**Notes:**
Household includes everyone who lives in the unit
Family includes all household members except live-in aides and foster children
Member number 01 is Head of household
Member number 02 is spouse or co-head. If no spouse or co-head, list other household members
RELATION CODES
S = Spouse, the marriage partner of the head of household
K = Co-head, an individual equally responsible for the lease. A household may have either a spouse or a co-head, but never both. 
F = Foster child/adult
Y = Other youth under 18 
E = Full-time student 18+ (other than head, spouse, co-head, foster individual) who is considered full-time by the attended educational institution.  The institution may be a vocational school with a diploma/certificate program, or a degree-granting institution)
L = Live-in aide: A person who lives with a disabled, elderly, or near-elderly person who is
Determined to be essential to the care and well-being of the person
Not obligated for the support of the person
Would not be otherwise living in the unit except to provide the needed care.
   Note that the children of a live-in aide are also coded as L
A = Other adult
3i = individual U.S. citizenship status
3j = disability meeting HUD’s definitions 
3k = race
3m = ethnicity
3n = SSN: normally the 9 digit SSN issued by the Social Security Administration. (For individuals not possessing SSNs: as of 6/25/02, instructions to agencies are to use nine 9s. This rejects when transmitted.  Announced update states  

## Payment Standards for Housing Choice Vouchers

- Chapter 4: Basic Program Overview

- May 2003

## Payment Standard      

- Used to calculate total subsidy for the family
- PS is maximum subsidy amount
- Must establish PS for each BR size and for each FMR area in PHA jurisdiction

- Chapter 4: Basic Program Overview

- May 2003

## Overview of Calculation of HCV Subsidy and Family Share

- Chapter 4: Basic Program Overview

- May 2003

## Formulas

- Rent Formula
- Total Subsidy is lower of Gross Rent or Payment Standard
- Minus TTP

- Chapter 4: Basic Program Overview

- May 2003

## Family Share Vs. TTP

- When GR is equal to or less than PS, the family share is the TTP
- When GR is greater than PS, the family share is the TTP plus the amount that the GR exceeds the PS
- Gross rent minus total HAP = family share

- Chapter 4: Basic Program Overview

- May 2003

## Section 12: Section 8 Vouchers

- Chapter 4: Basic Program Overview

- May 2003

## Gross Rent More than PS (Recertification) Family TTP = $25

- PHA Payment Standard = $600
- GR for unit selected by family = $680
- $600 minus $25 = $575 total subsidy
- $680 (GR) minus $575 = $105
- Family share = $105
- Here family share is greater than TTP

- Chapter 4: Basic Program Overview

- May 2003

## Section 12: Section 8 Vouchers 

**600**

**650**

** ****30**

**680**

**600**

** ****25**

**575**

**105**

**575**

** ****75**

- Chapter 4: Basic Program Overview

- May 2003

**Notes:**
Household includes everyone who lives in the unit
Family includes all household members except live-in aides and foster children
Member number 01 is Head of household
Member number 02 is spouse or co-head. If no spouse or co-head, list other household members
RELATION CODES
S = Spouse, the marriage partner of the head of household
K = Co-head, an individual equally responsible for the lease. A household may have either a spouse or a co-head, but never both. 
F = Foster child/adult
Y = Other youth under 18 
E = Full-time student 18+ (other than head, spouse, co-head, foster individual) who is considered full-time by the attended educational institution.  The institution may be a vocational school with a diploma/certificate program, or a degree-granting institution)
L = Live-in aide: A person who lives with a disabled, elderly, or near-elderly person who is
Determined to be essential to the care and well-being of the person
Not obligated for the support of the person
Would not be otherwise living in the unit except to provide the needed care.
   Note that the children of a live-in aide are also coded as L
A = Other adult
3i = individual U.S. citizenship status
3j = disability meeting HUD’s definitions 
3k = race
3m = ethnicity
3n = SSN: normally the 9 digit SSN issued by the Social Security Administration. (For individuals not possessing SSNs: as of 6/25/02, instructions to agencies are to use nine 9s. This rejects when transmitted.  Announced update states  

## Learning Activity 4-7

- Gross Rent greater than the Payment Standard

- Chapter 4: Basic Program Overview

- May 2003

## Learning Activity 4-7 Answers

- 750

- 725

-  50

- 775

- 750

- 494

- 256

- 519

- 256

**469**

- Chapter 4: Basic Program Overview

- May 2003

## Gross Rent Less than PSFamily TTP = $25

- PHA Payment Standard = $600
- GR for unit selected by family  = $580
- $580 minus $25 =  $555 total subsidy
- $580 (GR) minus $555 = $25
- Family share =$25
- In this case Family Share is the TTP

- Chapter 4: Basic Program Overview

- May 2003

## Section 12: Section 8 Vouchers 

**600**

**550**

** ****30**

**580**

**580**

** ****25**

**550**

** ****25**

**555**

**0**

**5**

- Chapter 4: Basic Program Overview

- May 2003

**Notes:**
Household includes everyone who lives in the unit
Family includes all household members except live-in aides and foster children
Member number 01 is Head of household
Member number 02 is spouse or co-head. If no spouse or co-head, list other household members
RELATION CODES
S = Spouse, the marriage partner of the head of household
K = Co-head, an individual equally responsible for the lease. A household may have either a spouse or a co-head, but never both. 
F = Foster child/adult
Y = Other youth under 18 
E = Full-time student 18+ (other than head, spouse, co-head, foster individual) who is considered full-time by the attended educational institution.  The institution may be a vocational school with a diploma/certificate program, or a degree-granting institution)
L = Live-in aide: A person who lives with a disabled, elderly, or near-elderly person who is
Determined to be essential to the care and well-being of the person
Not obligated for the support of the person
Would not be otherwise living in the unit except to provide the needed care.
   Note that the children of a live-in aide are also coded as L
A = Other adult
3i = individual U.S. citizenship status
3j = disability meeting HUD’s definitions 
3k = race
3m = ethnicity
3n = SSN: normally the 9 digit SSN issued by the Social Security Administration. (For individuals not possessing SSNs: as of 6/25/02, instructions to agencies are to use nine 9s. This rejects when transmitted.  Announced update states  

## Learning Activity 4-8

- Gross Rent less than Payment Standard

- Chapter 4: Basic Program Overview

- May 2003

## Learning Activity 4-8 Answers

- 750

- 625

- 675

- 675

-  50

- 494

- 181

- 494

- 181

**444**

- Chapter 4: Basic Program Overview

- May 2003

## Maximum Initial Rent Burden 

- When the gross rent exceeds the PHA’s payment standard upon the initial occupancy of a unit (new admissions and moves)...
- The family share cannot exceed 40%  of the family’s adjusted monthly income

- Chapter 4: Basic Program Overview

- May 2003

## Pop Question

- In which situation must the rent burden test be applied?
- A. Whenever an owner offers a new lease in the same unit
- B. When the gross rent exceeds the payment standard at initial lease-up
- C. When the owner increases the rent
- D. Only when a family moves

- Chapter 4: Basic Program Overview

- May 2003

## Pop Question

- In which situation must the rent burden test be applied?
- Whenever an owner offers a new lease in the same unit
***When the gross rent exceeds the payment standard at initial lease-up ****
- When the owner increases the rent
- Only when a family moves

- Chapter 4: Basic Program Overview

- May 2003