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In order for a homeowner Applicant to be eligible for purchase and/or rehabilitation assistance, the following criteria must be met: 1. Total household income under CDBG and DRI must not exceed the very low income (VLI) to low -to -moderate income (LMI) limits set for the HUD Section 8 program at the time assistance is provided or no greater than eighty percent (80%) of the Area Median Household Income (AMI) limits. 2. For regular category CDBG and DRI. The Applicant homeowner must possess and provide clear title to the property`, although it may be jointly owned and the property may be mortgaged. Ownership through life estate, heir property or other legal satisfactorily documented ownership is considered satisfactory for program participation. Providing proof of title is an owner responsibility and expense7. 3. The Applicant homeowner must reside in the dwelling as a primary residence to be rehabilitated for at least one (1) year prior to the time of application (owner occupied assistance). In the case of the DRI category, the Applicant homeowner must have been permanently residing in the dwelling unit as the primary residence at thetimeof the declared disaster. 4. Property tax _mortgage payments and utility bills. must be current and ownershipmust not,be jeopardized by any other threat of foreclosure, default or clouded title to'beligible for �CDBG �and,DRkowner-occupied rehabilitation. 5. For -all CDBG�progr'ams the property must be fully insured for basic hazard/homeownership insura` cep FFlood Insurance also applies in the one /hundred'(4100)\yearflood plain and the County must be named as a policy holder if the home is in the one hundred (100) year flood plain. Flood insurance must. -remain in\effect for the entire period of the Deferred Payment LoamAgreement. Any unit t \be addressed with CDBG funds must be elevated to at least one foot (1') above base flood elevation (or to local code) whichever.is greater,, or disqualified due to cost infeasibility. This applies to all categories\antl all activities involving construction. 6. For all CDBG programs, all Applicants that may have a business or familial relationship with a member of the County Commission, the Citizen's Advisory Task Force Committee, HRS, PA and participating construction contractors must fully disclose this relationship at the time of the Application, at the point in time in which the conflict occurs and definitely before a construction contract is executed (see Conflicts of Interest) 1O