Private service charges and the official gift are different payments. Do not combine them by assumption.
Read the budget line by line
Identify recipient, purpose and actual instructions. Paying more for a service does not guarantee a faster government decision or make the amount qualifying gift capital. The nonrefundable processing charge is US$15,000 per person; after vetting when instructed, the principal gift is US$1 million individually or US$2 million corporately. Family additions and continuing corporate conditions are separate.
As a gift plus a processing fee rather than as an investment, in the amounts stated on the official programme site, with the treatment of funds on refusal or withdrawal established from official material before payment. Brokerage commissions, settlement charges and currency conversion reduce what actually arrives, so budget from net proceeds rather than headline value. The larger payment is a gift to the United States government made after successful vetting; it buys no equity, earns nothing, creates no job-creation credit and cannot be recovered. If an employer is sponsoring instead, corporate terms differ and have their own maintenance and transfer charges that a qualified adviser should review against current published terms. A placement fee, a reservation fee, a private fee for expedited treatment or any payment routed into the consultant's account for onward transmission to the government should be refused.