1. The advertised minimum may be a single-applicant number
A family of four should ignore any comparison that quotes only one-person pricing. Some programmes now bundle a household of four into the base contribution; others add processing, due-diligence or dependant charges. The difference can be tens of thousands of dollars.
2. Dominica
Dominica's EDF contribution is currently US$250,000 for the main applicant plus up to three qualifying dependants. Processing, due-diligence, naturalisation and interview charges sit on top, so US$250,000 is not the total family invoice.
3. Antigua and Barbuda
The NDF contribution is US$230,000 for a family of four or less, but the official fee schedule adds US$20,000 of processing fees for a family of up to four, before due diligence, passport and professional costs.
4. Grenada
Grenada's NTF minimum is US$235,000 for a single applicant or family of up to four. Government application, processing and due-diligence fees are separate. The same household band also matters when comparing Grenada's approved-project route.
5. St Kitts and Nevis
The SISC contribution is US$250,000 for a main applicant or family of up to four. Due-diligence fees currently include US$10,000 for the main applicant and US$7,500 for each dependant aged 16 or older, so the children's ages can materially change the final bill.
6. Saint Lucia
Saint Lucia's NEF contribution is US$240,000 for the applicant plus up to three qualifying dependants. Further dependant add-ons begin only beyond that household band, but due diligence, processing and professional costs still need to be added.
7. Ages and relationships change the price
A family of four could mean two parents and two young children, one parent with three children, or a couple with an adult child and a dependent parent. Those profiles may have different eligibility and diligence charges even where the base contribution is identical.
8. Ask for an itemised family quotation
The useful comparison is a written government-and-professional fee schedule for the exact four people applying. Confirm ages, dependency evidence, interview fees, passport charges and whether any post-citizenship additions are expected. Never extrapolate a family total from the headline contribution alone.
9. Prepare the family file before choosing the programme
Cost a family of four by naming each person rather than using a generic 'family package'. Record the main applicant, spouse and the exact ages of the two children, then add the contribution or investment amount, adult due diligence, child-related charges, processing fees and professional costs that apply to that configuration.
This prevents a common budgeting error: assuming that every family of four is priced the same. Two minor children can produce a different total from a family with one university-age dependant, and a programme's advertised family threshold may not include every government or professional charge.
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