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TTP (Total Tenant Payment) is the amount you pay toward rent under the Housing Choice Voucher program. It is the greatest of: 30% of monthly adjusted income, 10% of monthly gross income, welfare rent assistance, or the PHA minimum rent ($0–$50).

HAP (Housing Assistance Payment) is the subsidy the PHA pays to your landlord. It equals the lesser of the Payment Standard or Gross Rent, minus your TTP. If the unit costs more than the payment standard, you pay the difference.

Common deductions include: $480 per dependent (under 18, student, or disabled), $400 elderly/disabled deduction, unreimbursed childcare expenses, unreimbursed medical expenses over 3% of income (elderly/disabled only), and disability assistance expenses.

At initial lease-up (when you first use your voucher), your family share cannot exceed 40% of your adjusted monthly income. This protects families from choosing units they cannot afford. This rule does not apply after the initial lease.

The Payment Standard is set by your local PHA, typically between 90–110% of HUD Fair Market Rent (FMR) for your area and unit size. It caps the subsidy amount. You can rent a unit above the payment standard, but you pay the difference.

The Utility Allowance is an amount set by your PHA that represents the estimated cost of tenant-paid utilities (electric, gas, water, etc.). It is added to Contract Rent to determine Gross Rent. If the allowance exceeds your share of rent, the PHA may pay you a utility reimbursement.

You can choose any unit that passes HUD Housing Quality Standards (HQS) inspection and whose landlord agrees to participate. The unit must be within your voucher bedroom size and meet the 40% affordability test at initial lease-up.

Your TTP and HAP are recalculated at annual recertification or when you report changes in income or family composition. Income increases raise your TTP; income decreases or additional dependents lower it.