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Homeownership Program’s Definition of Retired

The programs definition of a “retired” household is aligned with Social Security policy and practice regarding retired individuals and the benefits for which they qualify. A household is considered to be retired if:

  • At least one member of the household is age 65 or older (Social Security definition of “normal” retirement age);
  • Greater than 50% of the household’s income is comprised of retirement funds (social security, pension, regular 401(k)/IRA withdraws, ect.); and
  • The retired person(s) are not earning more than the annual social security permitted income cap from employment or contract income (“Earnings Test Annual Exempt Amount for Under Full Retirement Age”).