Golden visa timeline question

Hey folks, I am trying to manage how much cash I should have on hand for the GV application, for the investment fund route up to getting the first approval. I tried getting this information from prospective lawyers but ended up getting more confused. Can someone with more clarity, outline exactly when these two fees to SEF are due ?

  1. The analysis fee : 533 euros ( main applicant ) + 83 per dependent
  2. Approval fee. : 5.3k euros per applicant

Are there any other significant cash outlays besides the investment amount ( load fees included ) and lawyer fees that I should be aware of ? I know banks in Portugal charge an account maintenance fee but AFAIK they are a few hundred euros per year at max.

Thanks.