IN THIS GUIDE · Meeting a US-dollar requirement from assets that mature at different times
Start with the EB-5 eligibility and application overview
The figure is in US dollars
As of 7 September 2026 the requirement is US$1,050,000, or US$800,000 where the investment qualifies as being in a targeted employment area or in infrastructure. Holdings denominated in another currency must convert to at least the applicable amount at the point the capital is invested, so exchange movement between planning and transfer is the applicant's exposure. Statutory adjustments begin in 2027; confirm the figure in force when the petition will actually be filed. Because the exposure runs in one direction, plan the conversion with a margin rather than to the exact figure, and record the rate obtained and the date. Where a transfer is made in several parts, keep the confirmations for each, since the total is assessed on what actually reached the enterprise rather than on what was instructed to leave.
Every tranche needs its own story
Funds assembled from several sources are documented source by source. A property sale needs the contract, completion statement and the buyer's payment; a business distribution needs the resolution, accounts and tax treatment; savings need the income history behind them. Assembling the money in one account does not merge the evidence. Where a later tranche completes the required amount, it carries the same documentary burden as the first. Identify which tranche has the longest evidential trail rather than the largest value, since those are frequently different assets and only the first sets the schedule. A modest savings balance accumulated over twenty years of employment can take longer to document than a substantial property sale completing next month, and knowing which is which changes what work begins today.
Do not let the rate set the deadline
Waiting for a favourable rate, or rushing a transfer to catch one, tends to distort the immigration plan. Decide instead when the funds are both available and documented, and treat that as the trigger. Record conversion confirmations, correspondent bank charges and the exact amounts received, because deductions in transit can leave the invested sum below the requirement if the transfer was calculated to the exact figure. Record the deductions as they happen rather than reconciling at the end: correspondent bank charges, intermediary fees and the spread applied on conversion each reduce the sum arriving, and together they are large enough to matter when a transfer was calculated tightly. Ask the receiving party to confirm in writing the amount actually credited, and reconcile against that figure.
Keep capital and reserves apart
Invested capital must remain at risk, and no immigration rule guarantees its return on a set date or after a set number of years. It therefore cannot double as the household's emergency fund or as the source of living costs during processing. Build the reserve from assets that are not committed to the investment, and size it so that a delayed sale or a soft market does not force a decision about the capital itself. Size the reserve against the longer of the plausible timelines rather than the expected one, since the whole difficulty here is assets that mature unevenly and a process that does not wait for them. A household that has to sell something quickly to meet living costs during processing has usually lost more than the reserve would have cost to hold.
Sources reviewed 2026-09-07. This guide covers a preparation focus; it is not an individual eligibility assessment.