George and May Ella Clutterbucks are married and have three children: Georgina (12), George, Jr (6), and Georgella (4).
George works full-time at Spacely’s Sprocket’s as a sprocket inspector and makes $17/hour. Ella attends East Texas Tech as a part-time student and is a stay-at-home mom. Georgina is in 7th grade, George Jr is in 1st, and Georgella is in preschool.
They are buying a home for $89,000. The mortgage is $875 a month. The Clutterbucks chose to not put property tax and property insurance in escrow, so they pay these separate from their mortgage. The Clutterbucks heat and cool their home with gas and electricity.
What do the Clutterbucks need to provide when they first apply?
- An online or paper application (They can turn in the application first and send the other verification later when it’s requested, but will have to provide it to be approved.)
- Social security numbers and birth certificates for all family members
- ID for both adults, George and Ella
- Proof of residency (lease, utility bill, etc.)
- Four weeks’ worth of income for George (check stubs)
- Mortgage verification
- Property tax verification
- Property insurance verification
What do the Clutterbucks need to provide at recertification?
- An online or paper application
- Four weeks’ worth of verification for George
- The Clutterbucks only need to provide verification of mortgage, property insurance and property taxes if these amounts change.
The Clutterbuck family qualifies for the following deductions:
- Shelter deduction
- Mortgage
- State and local property taxes on the home
- Insurance – homeowner’s insurance that covers the structure only, not contents (however – if the amounts cannot be separated, the case manager must still allow the deduction)
- Utility deduction (heating and cooling)
What verification do the Clutterbucks need to provide for these deductions?
Shelter deduction
- Mortgage
- State and local property taxes on the home
- Insurance – homeowner’s insurance that covers the structure only, not contents (however – if the amounts cannot be separated, the case manager must still allow the deduction)
Utilities deduction – Heating and cooling deduction: client statement
- There are several utility deductions, but the largest and easiest one is the heating and cooling deduction. To get the heating and cooling deduction: Select an answer to this question: “What is the home’s primary heating or cooling source? (electricity, gas, or both)”
- Check no under the question: “Does someone else pay any of these household bills for you?”
