The proceeds of the loan may be used to pay the following costs and expenses: Necessary home repair, home maintenance, adaptation, or modification; Ongoing housing expenses, including: Payoff of the existing mortgage or mortgages, Property tax payments, Utility costs, Homeowner's insurance premiums including all types required under Regulation .07K, Ground rent, and Other housing expenses approved by the Program; Health and long term care expenses that enable the borrower to remain at home, including but not limited to: Adult day care, Attendant care, Durable medical equipment, Health, supplemental Medicare or other long term care insurance premiums, Home health care, Hospice care, Housekeeping assistance, Nursing home expenses for a temporary stay for a borrower, Prescription drugs; and Other expenses, as approved by the Program, related to the borrower's maintaining independence in the home. Proceeds of the loan may be used to pay closing costs. The Program may set a maximum amount that will be financed by the loan for legal fees, title searches, appraisals, and other services. The borrower shall certify at closing that all equity payments requested and received shall be used solely for the eligible uses as described in this regulation. The Program may also request certification concerning the use of the loan proceeds when the borrower requests equity payments and during the annual recertification process.