Thinking of becoming a U.S. citizen? Then you’re probably staring down that infamous Form N-400 and asking the golden question: How much does this thing cost me? Let’s break it down. From fee waivers to payment methods, this guide will walk you through everything you need to know about the application for naturalization fee—without the jargon or confusion.
Introduction to Naturalization in the U.S.
What is Naturalization?
Naturalization is the process through which a foreign national becomes a U.S. citizen after meeting specific requirements. It’s your final stop on the immigration train—and it’s worth every mile of the journey.
Why Becoming a U.S. Citizen Matters
Citizenship comes with powerful perks: voting rights, passport freedom, federal jobs, and the ability to sponsor more family members. It’s not just a legal upgrade—it’s a life changer.
Understanding the Application Process
The Role of Form N-400
The N-400 is your official application for U.S. citizenship. It’s a 20-page form that covers everything from your residency to your background. And yes, submitting it comes with a fee.
Eligibility Requirements
Before you pay the fee, make sure you check off the basics.
Residency and Age
You need to be at least 18 years old and have held a green card for at least 5 years (3 years if married to a U.S. citizen).
Good Moral Character
This means no serious criminal history, and you’ve followed the law consistently.
English and Civics Test
You’ll be expected to demonstrate basic English skills and pass a civics test about U.S. history and government.
Breakdown of the Naturalization Application Fee
How Much Is the Fee?
As of 2025, the total application fee is $640, plus an $85 biometric services fee, bringing the total to $725.
What the Fee Covers
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$640 for processing your Form N-400
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$85 for biometrics (fingerprints, photo, signature)
This covers the review of your application, background checks, and scheduling of your interview and tests.
Additional Costs You Might Incur
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Passport-sized photos (if needed)
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Legal help or consultations
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Translations of documents
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Mailing or courier services
Fee Waiver and Reduction Options
Who Qualifies for a Fee Waiver?
You might be eligible for a fee waiver (Form I-912) if you:
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Receive public benefits (like SNAP, Medicaid)
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Have a household income below 150% of the Federal Poverty Guidelines
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Face financial hardship due to unexpected expenses (like medical bills)
Supporting Documents for Fee Waiver
You’ll need to include proof like:
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Tax returns
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Pay stubs
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Government benefit letters
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Doctor’s notes or hospital bills (for hardships)
Partial Fee Reductions Explained
If you don’t qualify for a full waiver, you might still get a partial fee reduction (Form I-942). This cuts the fee to $320, and the biometrics fee still applies.
How to Pay the Naturalization Fee
Payment Methods Accepted
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Online: Credit card, debit card, bank withdrawal
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Mail: Check, money order, or Form G-1450 (credit card authorization)
Paying Online vs. By Mail
Filing online is faster and lets you track your application in real time. Mailing it works too but expect a longer timeline.
What Happens If You Underpay or Overpay
If you pay the wrong amount, your application may be rejected. If you overpay, you’ll usually get a refund—eventually. Always check the latest fee on USCIS.gov.
Avoiding Common Mistakes with Fees
Submitting Incomplete Payments
Sending only part of the fee? That’s an automatic rejection. Double-check the total: $725 unless you qualify for a waiver.
Forgetting the Waiver Request Form
If you’re applying for a waiver, don’t forget Form I-912. Leaving it out means USCIS assumes you’re not requesting one.
Using Outdated Forms or Fees
USCIS updates forms and fees regularly. Using an old version or old fee amount could lead to delays or rejection.
Recent Changes in the Naturalization Fee
Proposed Increases
USCIS occasionally proposes fee increases to cover budget gaps. In past years, the fee was set to rise over $1,000 but was blocked.
USCIS Budget and Fee Justifications
The agency is mostly funded by application fees. So any shortage affects processing times—and can trigger new fee hikes.
Timeline for New Fee Rules
Always monitor USCIS announcements for upcoming changes. Fee updates usually include a public comment period before becoming law.
Why the Naturalization Fee is a Smart Investment
Benefits of U.S. Citizenship
Yes, $725 isn’t pocket change. But think of it like this: You gain voting rights, social security benefits, job access, and travel freedom.
Long-Term Value Compared to the Cost
The cost of one international flight or a new phone—versus citizenship? Long-term, it’s a no-brainer.
Conclusion
Applying for U.S. citizenship is a major milestone—and understanding the application for naturalization fee is a critical step. Whether you pay the full amount, qualify for a reduction, or apply for a waiver, knowing your options puts you in control. Don’t let confusion or cost slow down your American dream. With the right info and a little planning, you’re one step closer to calling the U.S. your forever home.
FAQs
Can I get a refund if my application is denied?
No, USCIS does not refund the application or biometric fee, even if your application is denied.
How long does it take after I pay the fee?
It typically takes 8 to 14 months from application to oath ceremony, depending on your location.
Do children have to pay the same fee?
Yes, minors applying through their own N-400 must pay the full fee unless applying under a special provision.
Is the fee the same in every state?
Yes, the naturalization fee is the same nationwide. It’s a federal process.
Can I make installment payments for the application?
No, USCIS does not currently accept installment payments. The full fee must be submitted with your application.