The single most common question we hear is "how much does it cost?" — and the single most common mistake is to answer with the headline number alone. The qualifying investment is the largest line, but it is rarely the whole bill. This guide walks through every component so you can build a realistic budget before you commit, and use our [cost calculator](/tools/cost-calculator) with your eyes open.
The qualifying investment
This is the figure programmes advertise. On a contribution route it is a non-refundable payment to a government fund — for example around $200,000 for Dominica or from roughly $90,000–$130,000 for the newer and Pacific routes such as São Tomé & Príncipe, Nauru and Vanuatu. On a real-estate route — such as Türkiye at $400,000 — the money buys an asset you can usually sell after a holding period, so the true cost is your carrying cost rather than the full sum.
Government and due-diligence fees
On top of the investment sit mandatory government fees: application fees, processing fees and due-diligence fees charged per adult applicant for the background checks every programme runs. These scale with family size — adding a spouse, children or parents increases the due-diligence and passport fees. For a family of four, this layer alone can add tens of thousands of dollars, which is why a single-applicant quote can be misleading for a family.
Professional and ancillary fees
A reputable application is filed through a government-approved agent, and professional advisory fees cover the legal preparation, document handling and submission. Beyond that come smaller but real costs: certified translations, document legalisation and apostilles, courier fees, medical certificates where required, and any travel. Individually minor; collectively worth budgeting for.
Contribution vs real estate: the true-cost question
A government contribution is gone for good — but it is usually the lowest sticker price and the simplest process. Real estate costs more upfront and adds transaction and maintenance costs, but a sound purchase can return much of your capital on resale after the holding period. The right answer depends on your appetite for managing an overseas asset and on the quality of the specific property — which is exactly where independent advice earns its keep. We weigh this trade-off further in how to choose a programme.
Build the whole number before you decide
A trustworthy advisor quotes you an itemised, all-in figure — investment, government fees, due-diligence fees, professional fees and ancillaries — before you commit, with no surprises mid-application. That is the number to compare across programmes, not the headline. Run your own first estimate with the cost calculator, then book a consultation for a precise, family-specific quote.
One honest caveat: published thresholds and fees are set by governments and change without notice. Every figure here is indicative and date-stamped on the relevant programme page; always confirm the current terms before transferring funds.
Frequently asked questions
Why is the advertised price lower than the real total?
Can I get my money back?
Programmes mentioned in this guide
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Written & reviewed by
Jashvantkumar Prajapati
Founder & CEO, Avyanco — 21+ years in global mobility advisory
Disclaimer: This guide is general information, not legal, financial or immigration advice. Programme thresholds, fees and rules are set by governments and change without notice; figures are indicative and were last reviewed on 2026-06-13. Always confirm current terms on the relevant programme page and with the official authority before making any decision.
