Specifications include, but are not limited to: A. Deferred Loans: 1. High Priority Items: a. Improvements that remove and repair various health, safety, or other related deficiencies in order to comply with the Rehab Standards/CDBG in Appendix V. b. Improvements that remove and repair various health, safety, or other related deficiencies in order to comply with Rehab Standards/HOME in Appendix VI. c. Improvements necessary to comply with the State Energy Code. d. Improvements that will add to the structural soundness of the home. e. Modifications or improvements to the housing unit to make it accessible for a handicapped or disabled member of the household. f. Improvements necessary to eliminate or reduce lead-based paint hazards, and controls necessary to eliminate or reduce significant mold problems. g. Improvements necessary to ensure compliance with local housing regulations. 2. Medium Priority Items: Note: Medium Priority Items are those not specifically listed as either High or Low Priority Items (A.1 and A.3 of this Section) or Improvements Not Eligible (A.4 of this Section). 3. Low Priority Items: Note: Low Priority Items shall only be included in the loan if they and all the High and Medium Priority items can be accomplished within the $25,000 loan limit. Low priority items are generally improvements which add to a property's value or livability, and include: a. Cosmetic improvements. b. Finishing existing unfinished space within the structure (when the improvements clearly add to the market value of the property).