Page 1 of 120
Certified Occupancy Specialist COS EXAM–ACTUAL
EXAM COMPLETE QUESTIONS AND VERIFIED
SOLUTIONS LATEST UPDATE THIS YEAR
BATCH 1: Foundations, Eligibility, and Applications
Questions 1–100
1. What is the primary regulation governing HUD's multifamily housing programs?
A. Section 504 of the Rehabilitation Act
B. Civil Rights Act of 1964
C. HUD Handbook 4350.3 REV-1
D. Fair Housing Act
Correct Answer: C
Rationale: HUD Handbook 4350.3 REV-1 provides the specific, detailed instructions for
managers of subsidized housing to remain in compliance with federal law.
2. What is the correct formula for calculating Adjusted Income?
,Page 2 of 120
A. Annual income minus medical expenses
B. Annual income minus HUD-mandated allowances/deductions
C. Gross income plus utility allowances
D. Monthly income multiplied by 12
Correct Answer: B
Rationale: Adjusted income is the mathematical result of taking the Annual Income and
subtracting all applicable allowances (deductions) for which the household qualifies.
3. The Fair Housing Act prohibits discrimination in housing based on which of the following
protected classes?
A. Race, Color, Religion, Sex, Disability, Familial Status, and National Origin
B. Age, Credit Score, and Employment Status
C. Marital Status and Political Affiliation
D. Educational background and Pets
,Page 3 of 120
Correct Answer: A
Rationale: The Fair Housing Act identifies seven federal protected classes. While some states
add others (like sexual orientation), these seven are the federal baseline.
4. Under "Section 504," a housing provider must:
A. Provide free internet to all tenants
B. Make reasonable accommodations and modifications for persons with disabilities
C. Give everyone a ground-floor unit
D. Only house people with disabilities
Correct Answer: B
Rationale: Section 504 of the Rehabilitation Act requires federally assisted programs to be
accessible and to provide accommodations (policy changes) or modifications (physical changes)
for disabled residents.
5. Which document is required to verify the citizenship status of a non-citizen claiming eligible
status?
, Page 4 of 120
A. A library card
B. A signed Declaration of Eligible Immigration Status and a valid DHS document
C. A letter from a neighbor
D. A driver's license
Correct Answer: B
Rationale: Non-citizens must provide a signed declaration and a verification document (like a
Green Card) which is then verified through the DHS SAVE system.
6. At what age is a household member considered "Elderly" under HUD Handbook 4350.3?
A. 55
B. 60
C. 62
D. 65
Correct Answer: C
Certified Occupancy Specialist COS EXAM–ACTUAL
EXAM COMPLETE QUESTIONS AND VERIFIED
SOLUTIONS LATEST UPDATE THIS YEAR
BATCH 1: Foundations, Eligibility, and Applications
Questions 1–100
1. What is the primary regulation governing HUD's multifamily housing programs?
A. Section 504 of the Rehabilitation Act
B. Civil Rights Act of 1964
C. HUD Handbook 4350.3 REV-1
D. Fair Housing Act
Correct Answer: C
Rationale: HUD Handbook 4350.3 REV-1 provides the specific, detailed instructions for
managers of subsidized housing to remain in compliance with federal law.
2. What is the correct formula for calculating Adjusted Income?
,Page 2 of 120
A. Annual income minus medical expenses
B. Annual income minus HUD-mandated allowances/deductions
C. Gross income plus utility allowances
D. Monthly income multiplied by 12
Correct Answer: B
Rationale: Adjusted income is the mathematical result of taking the Annual Income and
subtracting all applicable allowances (deductions) for which the household qualifies.
3. The Fair Housing Act prohibits discrimination in housing based on which of the following
protected classes?
A. Race, Color, Religion, Sex, Disability, Familial Status, and National Origin
B. Age, Credit Score, and Employment Status
C. Marital Status and Political Affiliation
D. Educational background and Pets
,Page 3 of 120
Correct Answer: A
Rationale: The Fair Housing Act identifies seven federal protected classes. While some states
add others (like sexual orientation), these seven are the federal baseline.
4. Under "Section 504," a housing provider must:
A. Provide free internet to all tenants
B. Make reasonable accommodations and modifications for persons with disabilities
C. Give everyone a ground-floor unit
D. Only house people with disabilities
Correct Answer: B
Rationale: Section 504 of the Rehabilitation Act requires federally assisted programs to be
accessible and to provide accommodations (policy changes) or modifications (physical changes)
for disabled residents.
5. Which document is required to verify the citizenship status of a non-citizen claiming eligible
status?
, Page 4 of 120
A. A library card
B. A signed Declaration of Eligible Immigration Status and a valid DHS document
C. A letter from a neighbor
D. A driver's license
Correct Answer: B
Rationale: Non-citizens must provide a signed declaration and a verification document (like a
Green Card) which is then verified through the DHS SAVE system.
6. At what age is a household member considered "Elderly" under HUD Handbook 4350.3?
A. 55
B. 60
C. 62
D. 65
Correct Answer: C
