003.01(G)(iii) NONALLOWABLE SHELTER COSTS.

The following are not allowable as shelter costs: (1) Costs to insure shelter contents such as furniture and personal belongings; (2) One-time deposits required by landlords; (3) Any cost to repair damage caused by a natural disaster that has been or will be reimbursed by any source; (4) Down payments; (5) Closing costs as a whole. However, if the closing costs can be itemized to identify allowable costs such as taxes and insurance, these costs can be allowed; (6) Repairs and improvements in exchange for rent (no income is counted and no deduction for rent is allowed); (7) Any cost to repair wear and tear, incidental damages, and improvements; (8) Late fees or charges for late shelter payments, and shelter payment amounts carried forward from past billing periods; (9) Shelter expenses being paid by an insurance company; (10) Any amount of housing costs, including utilities, covered by the Department of Housing and Urban Development or other vendor payments to the landlord; and (11) Mortgage payments on unsecured or personal loans. A loan is considered secured only when a lien is placed on the property by the lender. Continuing charges leading to ownership of a property are not considered an unsecured loan and are allowable shelter costs.