; (II) utilities, including electricity, natural gas, heating oil, water, sewer, trash, recycling, cable television, telephones, and internet access; (III) maintenance fees or other fees commonly paid in connection with a residential property; and (IV) renter’s insurance or a similar product. (ii) The average monthly cost (as determined by the Secretary in coordination with the Secretary of Transportation) of automobile ownership in the geographic area in which the eligible individual resides during such month, including the cost of— (I) automobile operation, maintenance, registration, and insurance; (II) licensing and insuring a driver; (III) property, ad valorem, or other State or local taxes paid in relation to owning or operating an automobile; and (IV) parking an automobile. (B) Initial month installment payment In the case of an eligible individual who receives a basic monthly allowance under subparagraph (A), the Secretary shall provide the individual an initial installment payment for the first month of the individual’s independent living transition period, in an amount equal to and in addition to the basic monthly allowance for such month, for the purpose of paying a security deposit, application fee, or related expenses. (C) Applicable percentage For purposes of subparagraph (A), the applicable percentage shall be— (i) 100 percent for any month in the 1st year of the individual’s independent living transition period; (ii) 75 percent for any month in the 2nd year of the individual’s independent living transition period; (iii) 50 percent for any month in the 3rd year of the individual’s independent living transition period