Green Card Investment Amount: How Much Do You Need? (2026)
The investment thresholds#
The United States offers a direct path to permanent residency (a "green card") through capital investment via the EB-5 Immigrant Investor Program. The minimum investment amounts are set by federal statute and were updated by the EB-5 Reform and Integrity Act (RIA) of 2022. As of 2026, two investment levels exist:
| Targeted Employment Area (TEA) | $800,000 | Rural areas, high unemployment areas, infrastructure projects |
| Standard (non-TEA) | $1,050,000 | All other qualifying projects |
These amounts are the minimum capital that must be invested in a new commercial enterprise. They do not include additional fees, legal costs, and administrative expenses that bring the total cost higher.
Important: Immigration law is complex and individual circumstances vary significantly. Consult a qualified immigration attorney for personalized guidance before making any visa application decision.
Last verified: 2026-11-07
Understanding the $800,000 TEA minimum#
What qualifies as a TEA#
A Targeted Employment Area is a geographic region that meets specific economic criteria, qualifying EB-5 projects located there for the lower $800,000 investment threshold. Under the RIA of 2022, TEA designations are made by the Department of Homeland Security (DHS) rather than by individual states, a change from prior practice.
TEA categories include:
Rural areas. Areas outside a metropolitan statistical area (MSA) and outside the boundary of any city or town with a population of 20,000 or more. Rural TEA projects also qualify for the 20% set-aside visa allocation, making them the most strategically advantageous category for investors from backlogged countries.
High unemployment areas. Areas with unemployment rates at least 150% of the national average. The geographic definition follows census tract based methodology under the RIA.
Infrastructure projects. Federal, state, or local government infrastructure projects that qualify under the RIA's specific provisions. These projects receive a 2% set-aside visa allocation.
The majority of EB-5 projects offered through regional centers in 2026 target TEA designation to qualify for the $800,000 threshold, as it lowers the capital barrier for investors and expands the eligible investor pool.
Source: EB-5 Reform and Integrity Act of 2022, 8 U.S.C. 1153(b)(5)(B); USCIS Policy Manual, Volume 6, Part G. Blue trust tier. See Targeted Employment Areas Explained for a full guide.
Inflation adjustment mechanism#
The RIA of 2022 introduced an automatic inflation adjustment for EB-5 investment amounts, based on changes in the Consumer Price Index for All Urban Consumers (CPI-U). The first adjustment takes effect January 1, 2027, and later adjustments follow every five years. This mechanism keeps the thresholds in line with inflation without new legislation.
As of November 7, 2026, the adjusted amounts for January 1, 2027 have not been published. Until they are, the current minimums above are the only confirmed figures, and any higher number you see quoted is an estimate.
Source: EB-5 Reform and Integrity Act of 2022, inflation adjustment provisions. Blue trust tier.
Understanding the $1,050,000 standard minimum#
The standard investment amount of $1,050,000 applies to EB-5 projects located outside of designated TEAs. In practice, the standard threshold is less commonly used because most regional center projects are structured to qualify for TEA designation. However, certain projects in prime urban locations or specific industries may not meet TEA criteria.
Investors considering standard (non-TEA) projects should evaluate whether the project's characteristics justify the additional $250,000 in capital commitment. The standard category does not receive set-aside visa allocations, meaning investors from backlogged countries will face per country delays that do not apply to rural TEA or other set-aside categories.
Source: INA Section 203(b)(5)(C). Blue trust tier.
Beyond the investment: additional costs#
The true all in cost#
The investment minimum is the largest single expense, but not the only cost. EB-5 petitioners must budget for additional fees that can total $85,000 to $130,000 or more:
| Regional center administrative fee | $50,000 to $75,000 | Non-refundable; paid to the regional center |
| Immigration attorney fees | $15,000 to $25,000 | Covers I-526E, I-485, I-829 filings |
| USCIS I-526E filing fee | $3,675 | Base petition fee in effect since November 18, 2025 ($7,850 for filings postmarked on or after November 30, 2026) |
| USCIS I-485 filing fee | $1,440 per person | If adjusting status in the U.S. |
| Source of funds documentation | $3,000 to $10,000 | Accounting, auditing, translation |
| Financial audit/CPA fees | $2,000 to $5,000 | Documentation of lawful source |
| Translation and authentication | $1,000 to $3,000 | Document certification |
| Medical examination | $500 to $1,500 per person | Required for each applicant |
| Consular processing | $2,000 to $5,000 | Visa interview costs, if applicable |
| Miscellaneous | $1,000 to $3,000 | Notarization, courier, travel |
Source: USCIS Fee Schedule. The November 12, 2025 court order (implemented by USCIS on November 18, 2025) reverted EB-5 form fees only, subject to ongoing litigation; I-485, I-765, and I-131 fees remain on the April 2024 schedule. EB5Status analysis of regional center published fee schedules and immigration attorney fee surveys. Blue trust tier (USCIS fees); Gray trust tier (professional fee ranges). See EB-5 Filing Fees 2026 and EB-5 Total Cost Breakdown for detailed analysis.
USCIS filing fee detail#
The I-526E filing fee structure as of 2026 (EB-5 form fees reverted effective November 18, 2025 under the November 12, 2025 court order, subject to ongoing litigation; the I-485 fee remains on the April 2024 schedule):
| Base I-526E petition fee | $3,675 |
| EB-5 Integrity Fund fee (regional center petitions only) | $1,000 |
| I-485 fee (if concurrent filing) | $1,440 (no separate biometric services fee) |
| Total USCIS fees (single applicant, concurrent filing) | $6,115 |
For a family of four (investor plus spouse plus two children), total USCIS filing fees can reach approximately $9,500 to $10,500 when including I-485 filings for all family members, depending on the children's ages (a child under 14 filing with a parent pays $950 instead of $1,440).
These totals use the fees in effect before November 30, 2026. Under the EB-5 fee final rule (91 FR 61940), filings postmarked on or after that date pay $7,850 for the I-526E and $1,100 for the Integrity Fund fee, which adds $4,275 to the single applicant total above.
Source: USCIS Fee Schedule. Blue trust tier.
Regional center administrative fees#
The administrative fee charged by regional centers is one of the most variable costs in the EB-5 process. This fee covers the regional center's operational costs, including project development, compliance, legal structure, and investor services. It ranges from $50,000 to $75,000 for most established regional centers, though some charge more or less depending on the project.
The administrative fee is non-refundable. Even if the investor's petition is denied or the project fails, this fee is not returned. Investors should understand this upfront and factor it into their total cost calculation.
Source: EB5Status analysis of published regional center offering documents. Gray trust tier.
Gold Card comparison: $1,000,000#
A different cost structure#
The Gold Card program offers an alternative investment based path to permanent residency with a $1,000,000 non-refundable contribution. The comparison to EB-5 is instructive:
| Capital commitment | $800,000 | $1,050,000 | $1,000,000 |
| Capital nature | At risk (potentially returnable) | At risk (potentially returnable) | Non-refundable (no return) |
| Additional fees | $85,000 to $130,000 | $85,000 to $130,000 | $15,000 processing fee, plus legal and visa costs |
| Total all in | $885,000 to $930,000 | $1,135,000 to $1,180,000 | About $1,015,000 plus legal and visa costs |
| Job creation | Required (10 jobs) | Required (10 jobs) | None |
The Gold Card's total cost is lower than EB-5 standard but higher than EB-5 TEA. However, the EB-5 capital is potentially recoverable, while the Gold Card contribution is permanently spent. Over the full lifecycle of an EB-5 investment, if capital is returned, the net cost of EB-5 could be limited to the $85,000 to $130,000 in fees, making it substantially less expensive than the Gold Card in the best case scenario.
Source: EB-5 Reform and Integrity Act of 2022; Executive Order 14351 (September 19, 2025); USCIS Form I-140G. Blue trust tier (EB-5); Yellow trust tier (Gold Card). See Gold Card vs EB-5 for full comparison.
Source of funds requirements#
What USCIS requires#
The investment amount must come from lawful sources, and the investor must document the complete path of funds from origin to the EB-5 escrow account. USCIS requires evidence demonstrating:
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Lawful earning. The capital was obtained through legitimate means: employment income, business profits, sale of assets, inheritance, gifts, loans, or other lawful sources.
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Tax compliance. The investor paid applicable taxes on the income used for the investment, in the country where the income was earned.
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Transfer trail. A complete and verifiable chain of documentation showing how funds moved from the original source to the EB-5 project escrow.
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Ownership. The investor has legal ownership or control of the invested capital.
Source of funds documentation is the most common trigger for Requests for Evidence (RFE) in EB-5 petitions. Investors should begin assembling documentation early, ideally with the assistance of both an immigration attorney and a qualified accountant in their home country.
Source: USCIS Policy Manual, Volume 6, Part G, Chapter 4. Blue trust tier. See Source of Funds Documentation for a full guide.
How to budget for an EB-5 investment#
Planning framework#
Investors should approach EB-5 budgeting with the following framework:
Step 1: Determine your investment category. TEA ($800,000) vs. standard ($1,050,000). Most investors should target TEA projects for the lower threshold and set-aside visa benefits.
Step 2: Add administrative and legal fees. Budget $85,000 to $130,000 above the investment amount for a regional center pathway. This includes attorney fees, regional center fees, USCIS filings, and ancillary costs.
Step 3: Budget for source of funds preparation. Depending on the complexity of your financial history, source of funds documentation can cost $3,000 to $10,000. Complex multi-source scenarios (business sales, multiple income streams, international transfers) will be at the higher end.
Step 4: Account for family filing costs. Each additional family member (spouse, children under 21) adds approximately $2,000 to $4,000 in USCIS fees and medical examination costs.
Step 5: Include a contingency. Budget an additional $5,000 to $10,000 for unforeseen expenses such as RFE responses, additional document authentication, or travel for interviews.
Budget summary#
| Capital investment | $800,000 | $800,000 |
| Regional center fee | $50,000 to $75,000 | $50,000 to $75,000 |
| Attorney fees | $15,000 to $25,000 | $18,000 to $30,000 |
| USCIS fees (all filings) | $9,000 to $11,000 | $15,000 to $17,000 |
| Source of funds prep | $3,000 to $10,000 | $3,000 to $10,000 |
| Medical, travel, misc. | $3,000 to $7,000 | $8,000 to $15,000 |
| Contingency | $5,000 to $10,000 | $5,000 to $10,000 |
| Total budget | $885,000 to $938,000 | $899,000 to $957,000 |
Source: EB5Status cost analysis based on USCIS fees in effect before November 30, 2026 and market survey data. For filings postmarked on or after November 30, 2026, the higher I-526E, I-829 and Integrity Fund fees add about $5,500. Gray trust tier.
Frequently asked questions#
Can I invest less than $800,000?#
No. The $800,000 TEA minimum and $1,050,000 standard minimum are set by federal statute. There is no provision for lower investment amounts, regardless of project type or investor circumstances.
Does the investment amount include fees?#
No. The $800,000 or $1,050,000 represents only the capital investment in the commercial enterprise. Administrative fees, legal fees, USCIS filing fees, and other costs are separate and additional.
When will the investment amounts increase?#
The first inflation adjustment under the RIA takes effect January 1, 2027. It is based on the CPI-U and applies to both the TEA and standard amounts. As of November 7, 2026, the new amounts have not been published.
Is the investment refundable if my petition is denied?#
This depends on the project's escrow arrangement. Most regional centers hold investor capital in escrow until the I-526E petition is filed (and sometimes until approval). Escrow release conditions vary by project. Investors should review the subscription agreement and escrow terms carefully before committing funds.
Can I use borrowed funds for the EB-5 investment?#
Yes, provided the loan is secured by assets owned by the investor (not by the EB-5 project itself) and the loan proceeds are documented through a clear source of funds trail. USCIS accepts various forms of lawful capital, including loans against real property, stock portfolios, or other assets.
Source: USCIS Policy Manual, Volume 6, Part G. Blue trust tier.
Key takeaways#
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$800,000 is the TEA minimum; $1,050,000 is the standard minimum. These statutory amounts will be adjusted for inflation on January 1, 2027; the new figures have not been published yet.
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Total all in costs range from $885,000 to $957,000 for a TEA investment including all fees, with higher totals for standard investments and larger families.
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Additional fees of $85,000 to $130,000 are non-refundable regardless of petition outcome. Budget for these separately from the investment capital.
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Source of funds documentation is the most common area of USCIS scrutiny. Begin preparation early with qualified professionals.
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The Gold Card alternative costs a $1,000,000 gift plus a $15,000 processing fee, none of it returned, compared to EB-5's potentially recoverable at-risk investment. The net cost comparison favors EB-5 if capital is returned.
For current cost modeling and pathway comparison, visit the EB5Status Cost Calculator and EB-5 Total Cost Breakdown.
Disclaimer: This article presents factual data about EB-5 investment requirements. It does not constitute legal or financial advice. Consult an immigration attorney for personalized guidance regarding your specific situation.
Data sources: EB-5 Reform and Integrity Act of 2022, USCIS fee schedule, EB-5 fee final rule (91 FR 61940), USCIS Policy Manual, Executive Order 14351. Trust tiers: Blue (official government), Gray (derived cost estimates), Yellow (Gold Card details).
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