No. In the stated three-person individual example, the gifts total US$3 million; US$3.045 million includes processing already paid.
Avoid double-counting while following instructions
Use actual official payment instructions after vetting. The overall budget is not a substitute for the amount, recipient and timing stated for the current payment. 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.
The Gold Card column shows a nonrefundable processing fee and a gift to the U.S. government, described as leading to an EB-1 or EB-2 classification for an eligible, admissible applicant when a visa is available; nothing comes back and nothing is earned. Where an intermediary offers to handle the payment or introduces an account that does not appear on the official source, stop and verify before anything is transferred. Only the processing fee is expressly described as non-refundable in the stated terms; do not infer either a general refund entitlement or universal non-refundability for every other expense. An applicant who cannot afford to lose the processing fee should not pay it on the strength of a customer's enthusiasm; an applicant who can should still confirm the official terms on the day, since the program's published terms may change.