Once you are both on the title and if it is just the two of you living in the house, SSI expects that you are going to pay 1/2 of the gas, electricity, heating fuel, water, sewer, garbage, property taxes and property insurance. And you either buy your own food or you pay for 1/2 of the food you both consume. According to you, there will be no mortgage payment. If you don't pay 1/2 of these shelter expenses, then SSI will consider that your father is providing you with some type of in-kind support and maintenance and it will reduce the SSI. You may not be a 1/2 owner, but if it is just the two of you, you will need to pay 1/2 of the normal living expenses. If you have a third or fourth roommate, you can pay your 1/3 or 1/4 accordingly. Your father can pay the cable bill that the two of you use, he can pay your phone bill, he can pay your car insurance, he can buy the toiletries with no affect on SSI. He cannot give you the money to pay the bills, he has to pay them. But you need to pay 1/2 of the basic shelter expenses I listed above.