All programs allow clients to own or have available a limited amount of assets and still be eligible for assistance. Count the sum of the values of all assets that are available and not explicitly excluded. See 0015.03 (Asset Limits). Also see the following sections:

0015.06	Availability of Assets.
0015.09	Excluded Assets for Self-Support.
0015.11	Excluded Assets - Contracts for Deed.
0015.12	Excluded Assets - Real Property.
0015.15	Excluded Assets - Household/Personal Goods.
0015.18	Excluded Assets - Pension & Retirement Plans.
0015.21	Excluded Assets - Burial Funds.
0015.24	Excluded Assets - Burial Contracts.
0015.27	Excluded Assets - Income.
0015.30	Excluded Assets - Payments Under Federal Law.
0015.33	Excluded Assets - Student Financial Aid.
0015.36	Excluded Assets - Funds to Fix/Replace Asset.
0015.39	Excluded Assets - Vehicles.
0015.42	Excluded Assets - Liquid Assets.
0015.45	Excluded Assets - Special Groups of People.

Count assets of clients or units. See 0015.48 (Whose Assets to Consider) for a list of other people whose assets count. For information on assets of SNAP units, see 0013.06 (SNAP Categorical Eligibility/Ineligibility), 0015.03 (Asset Limits).

The counted value of most assets is the equity value. However, in some programs there are special methods for computing the counted values of some assets. See:

0015.39	Excluded Assets - Vehicles.
0015.51	Evaluation of Insurance Policies.
0015.54	Evaluation of Vehicles.
0015.57	Evaluation of Real Property.
0015.60	Evaluation of Lump Sums.
0015.63	Evaluation of Pension and Retirement Plans.

Clients are allowed to reduce assets to attain or retain eligibility for programs only by specific methods and within specific limits. See 0015.69 (Asset Transfers).

Some assets may be excluded for a fixed period of time if clients sign a repayment agreement. See 0015.12.06 (Repayment Agreements on Real Property).

In some cases, it is possible to waive rules governing retention of assets because of hardship or special program considerations. See 0015.78 (Waivers of Asset Rules). However, in most situations, terminate or deny eligibility if clients do not reduce net countable assets in excess of the limits by allowable means within specified time limits. See 0015.72 (Excess Assets - Applicants), 0015.75 (Excess Assets - Participants).