Hypothetical example: using the September 7, 2026 official terms, an individual principal and one eligible joining spouse have US$2,000,000 in combined gifts and US$30,000 in nonrefundable processing fees. This arithmetic assumes two eligible included people; it is not a finding that either person qualifies or a total for every possible charge.
Keep the household reserve outside the gift calculation
The calculation uses a US$1,000,000 gift and US$15,000 fee for each person. A corporate principal instead has a US$2,000,000 gift, with family obligations additional and separate corporate conditions to examine. Identify which proposal is real before comparing it with retained savings or EB-5 capital. Gifts follow successful vetting and official instructions, and payment capacity does not settle EB-1 or EB-2 eligibility, admissibility or visa availability.
Hypothetical example: a satellite-imagery analyst considering whether a company will fund a Gold Card payment connected to a future executive role. Keep the personal and corporate scenarios separate. The official framework distinguishes individual and corporate terms, and both require close checking against current government instructions. A conventional fee quote, a donation arrangement, or an investment subscription is not interchangeable with the required gift payment. Make a record of payer, amount, source, recipient, currency conversion, and whether any condition remains. The practical decision is whether the proposed payer and funding path match the official framework before anyone commits to a contract, reimbursement, or relocation schedule. Before authorizing a transfer, preserve the current official instructions and identify the nonrefundable processing fee and government gift separately. Confirm whether the payer is the individual applicant or a corporate sponsor, and do not treat either payment as EB-5 investment capital or proof of immigration approval.