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APPENDIX A — DEFINITIONS ADA - Americans with Disabilities Act—Provides federal civil rights protection to individuals who are physically or mentally disabled. The ADA prohibits discrimination against the disabled in employment, public services, public accommodations, and telecommunications. Entities that are covered by the ADA must make reasonable accommodation which involves adapting programs, facilities, or work places to allow disabled individuals to participate in the program of services. (HUD's Access to Housing for Persons with Disabilities, (202) 708-3287). Affordability Period - The time period for which rent restrictions or resale restrictions apply to housing that has been assisted by government funding. Affordable Housing - Housing is considered to be affordable if monthly housing cost does not exceed a certain percentage of a family's monthly income. The acceptable percentage is thirty (30) percent of a family's adjusted gross monthly income. Annual (Gross) Income - Total income (earned, unearned and asset income) anticipated to be received by all persons who currently reside or intend to reside in a program assisted -unit for the coming twelve (12) month period. When determining whether a household is income eligible, local governments, participating jurisdictions and project owners must use one of the following three (3) definitions of annual income: (1) annual income as defined at 24 CFR section 5.609 (except when determining the income of a homeowner for an owner -occupied rehabilitation project, the value of the homeowner's primary residence may be excluded from the calculation of net family assets); or (2) annual income as reported under the Census long -form for the most recent available decennial Census; or (3) adjusted gross income as defined for purposes of reporting under Internal Revenue Service (IRS) Form 1040 series for individual federal annual income tax purposes. Assets - Cash or non-cash item that can be converted to cash. Under most federally and state funded housing programs, the income from an asset, either actual or imputed, is included in a family's total household income. Blighted structure: a structure that has substantial deterioration in which conditions are leading to economic distress or endangerment of life, the sub -recipient jurisdiction agrees by ordinance that the structure is blighted, and one or more of the following factors are present: 1. Unsanitary or unsafe conditions; 2. Deterioration of site or other improvement; or 3. Faulty lot layout in relation to size, adequacy, accessibility, or usefulness. CATF: The Citizen's Advisory Task Force which the State's sub -recipient must create in order to provide public participation and comply with citizen participation requirements. 57