; and (2) has an inability to attain or maintain housing stability or has insufficient resources to pay for rent or utilities. (d) Income Targeting and Calculation For purposes of assistance made available with amounts made available pursuant to subsection (b)— (1) each recipient of such amounts shall use— (A) not less than 40 percent of the amounts received only for providing assistance to individuals or families experiencing homelessness, or for persons or families at risk of homelessness who have incomes not exceeding 30 percent of the median income for the area as determined by the Secretary; (B) not less than 70 percent of the amounts received only for providing assistance to individuals or families experiencing homelessness, or for persons or families at risk of homelessness who have incomes not exceeding 50 percent of the median income for the area as determined by the Secretary; and (C) the remainder of the amounts received only for providing assistance to individuals or families experiencing homelessness, or for persons or families at risk of homelessness who have incomes not exceeding 80 percent of the median income for the area as determined by the Secretary, except that the recipient may establish a higher percentage limit for purposes of subsection (c)(1), which shall not in any case exceed 120 percent of the area median income, provided that the recipient— (i) proposes to permit such assistance to individuals and households in its plan to carry out activities under this section; and (ii) solicits public comment on the proposal; and (2) in determining the income of a household for homelessness prevention assistance— (A) the calculation of income performed at the time of application for the assistance, including arrearages, shall consider only income that the household is receiving at the time of the application, and any income recently terminated shall not be included