For an individual principal and one joining spouse, the published processing fees and gifts total US$2,030,000: two US$15,000 fees and two US$1 million gifts. Other visa-related, medical, professional and relocation expenses are additional. The processing fees are nonrefundable; review the terms of other charges separately rather than assuming every payment follows the same refund rule.
Keep the contribution separate from an investment-return assumption
Confirm the route before using this example: a corporate-sponsored principal has a US$2 million gift, so the same household calculation changes. Corporate terms also include a 1% annual maintenance fee and a 5% fee when the transfer mechanism is used. Obtain current terms for those obligations.
Hold a separate reserve for living costs and tax advice, and do not budget a dividend or scheduled capital repayment from a government gift as though it were an EB-5 project. List every payment with its recipient, its trigger and its refund position, and mark the nonrefundable ones in a way nobody can miss. Then set the total against the household's remaining liquidity rather than its net worth, because the payments fall due on the programme's schedule and not on the timetable of an asset sale.
Add a separate line for professional advice on tax and on any corporate obligations, since those costs recur after arrival while the programme payments do not. Nothing in the arrangement promises a return, so do not model one.