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share is counted as deduction in the SNAP budget. See Section 3445.50.00 regarding members who are ineligible/disqualified. 3440.10.00 SHELTER EXPENSE/DEDUCTIONS (S)

Allowable shelter deductions are listed in the following sections. Allowable deductions include continuing charges, taxes, assessments, insurance, and utility expenses and homeless shelter deduction. 3440.10.05 CONTINUING CHARGES (S)

Continuing charges for the shelter occupied by the AG including rent, mortgage, or other continuing charges leading to the ownership of shelter, such as loan repayments for the purchase of a mobile home, including interest on such payments, are allowed as deductions. Condo and association fees are also allowable shelter expenses.

Continuing charges include second mortgages or "home equity loans" as they are commonly known. Regardless of the terminology used or the purpose of the loan the determining factor is whether the loan is secured by a lien placed on the property by the lending institution. Payments on secured loans meet the criteria of continuing charges for the shelter and are considered shelter costs.

Payments made on unsecured, or "personal" loans are not considered shelter costs. Loans provided under the Homestead Act are also allowable as they are continuing charges that lead to ownership of the shelter. Under the Homestead Act, homes are given to households and loans are provided so the shelter can be repaired.

See Section 3445.50.00 regarding the budgeting of expenses of AGs containing ineligible/disqualified members. 3440.10.10 PROPERTY TAXES, ASSESSMENTS, INSURANCE (S)

Property taxes, state and local assessments, and insurance on the structure itself are allowed as deductions.

Separate costs for insuring furniture or personal belongings are not allowed as deductions. If structure/content insurance cannot be separated, the entire premium is allowed.

Service charges for installment payments of insurance premiums are not allowable.

See Section 3445.50.00 regarding the budgeting of expenses of AGs containing ineligible/disqualified members. 3440.15.00 STANDARD UTILITY ALLOWANCES (S)