✓ The short answer

Most green-card holders can apply for U.S. citizenship on Form N-400 after 5 years as a permanent resident, or after 3 years if married to and living with a U.S. citizen, and they may file up to 90 days early. Korean nationals face a second question. Under Korea’s Nationality Act, a Korean who voluntarily becomes a U.S. citizen generally loses Korean nationality at the moment of naturalization (Art. 15(1)) and must report the loss to Korean authorities. It pays to plan for both sides before you file.

Key Facts (as of September 2026)

Eligibility: age 18+; a permanent resident for 5 years (3 if married to and living with a U.S. citizen); continuous residence; physical presence for at least half the period (30 or 18 months); 3 months’ residence in the state or USCIS district; good moral character; English and civics. Early filing: up to 90 days before the 5- or 3-year date. Civics test: N-400s filed on or after October 20, 2025 use the 2025 test, which asks 20 of 128 questions and requires 12 correct answers to pass. USCIS fee: $760 (paper) or $710 (online); a reduced fee of $380 is available for household income between 150% and 400% of the federal poverty guidelines. Proposed fee change: a June 23, 2026 proposed rule would raise the fee to $1,330 / $1,280 and end the reduced fee and fee waivers. The comment period closed August 24, 2026, and the rule is not final. Korean nationality: lost automatically on voluntary naturalization (Korean Nationality Act Art. 15(1)), with a duty to report the loss (Art. 16).

1. Am I Eligible to Apply for U.S. Citizenship?

Under INA §316 and §319(a), an applicant generally must:

Continuous residence and physical presence are different tests

Physical presence counts the days you were actually in the United States. Continuous residence asks whether you kept the U.S. as your home. A single trip abroad of more than 6 months (but less than a year) can raise a presumption that continuous residence was broken, which you may be able to rebut with evidence such as keeping your job, home and tax filings here. A trip of one year or more generally breaks it. Long or frequent stays in Korea are worth mapping out date by date before you file.

Good moral character

USCIS reviews the statutory period (and can look further back) for criminal history, unpaid taxes or unfiled returns, false claims, and prior immigration issues. Arrests and citations should be disclosed even if they were dismissed. These are the points we review first.

English exemptions for long-term older residents

Applicants who are 50 or older with 20 years as a permanent resident (“50/20”), or 55 or older with 15 years (“55/15”), are exempt from the English requirement and may take the civics test in Korean with an interpreter. Applicants 65 or older with 20 years as a permanent resident (“65/20”) also receive special consideration on the civics test. See our N-400 interview preparation guide.

2. When Can I File? The 90-Day Early-Filing Rule

Start from the “Resident Since” date on your green card. Add 5 years (or 3 years on the marriage path), then count back 90 days. That is the earliest date USCIS will accept your N-400. USCIS publishes an early-filing calculator on its website. An application filed even one day too early is denied, and the filing fee is generally not refunded, so it is worth confirming the date before you file.

The residence and physical-presence requirements are still measured over the full period, so trips abroad near the filing date matter too.

3. What Does It Cost in 2026, and What Might Change?

The current USCIS filing fee for Form N-400 is $760 for paper filing or $710 for online filing, with biometrics included. A reduced fee of $380 is available to applicants whose household income is between 150% and 400% of the federal poverty guidelines, and fee waivers are available in limited circumstances.

On June 23, 2026, the Department of Homeland Security published a proposed rule (Federal Register document 2026-12542) that would raise the N-400 fee to $1,330 (paper) or $1,280 (online) and eliminate the reduced fee and fee waivers for most applicants. The public comment period closed on August 24, 2026. The rule has not been finalized. If it is finalized, the new fees would apply from its effective date; until then, current fees apply. Confirm the fee on uscis.gov/n-400 before filing.

4. What Happens to My Korean Nationality When I Become a U.S. Citizen?

Automatic loss on voluntary naturalization

Under Article 15(1) of the Korean Nationality Act, a Korean national who voluntarily acquires a foreign nationality loses Korean nationality as of the date of acquisition. For an N-400 applicant, that is the day you take the Oath of Allegiance. No separate renunciation filing with Korea is needed for the loss to take effect.

Report the loss (국적상실신고)

Article 16 requires a person who has lost Korean nationality to report it so that Korean records, including the family-relation register (가족관계등록부), are updated. Orange County residents generally file this report through the Consulate General of the Republic of Korea in Los Angeles. Keep a copy of your Certificate of Naturalization for the filing.

Travel to Korea

After you naturalize, travel to Korea on your U.S. passport. Your Korean passport is no longer valid for you once Korean nationality is lost.

Exceptions are narrow

Article 15(2) allows certain people who acquire a foreign nationality through specific events (for example, some cases of marriage to a foreign national, adoption, or recognition by a foreign parent) to keep Korean nationality if they notify Korea of their intent within 6 months. These exceptions are fact-specific. Naturalizing through Form N-400 is generally treated as a voluntary acquisition, so do not assume an exception applies without advice.

Options after naturalization

Former Korean nationals may qualify for the F-4 (재외동포, Overseas Korean) visa, which allows long-term stay and most work in Korea. Certain former Korean nationals age 65 or older may apply to restore Korean nationality (국적회복) while keeping U.S. citizenship by pledging not to exercise their foreign nationality in Korea (외국국적불행사서약). Eligibility is decided by the Korean Ministry of Justice.

The U.S. side

The U.S. Oath of Allegiance includes renunciation language, but U.S. law does not require you to take any action with Korea. Korea’s own law determines your Korean status.

5. What Should I Do Before Filing?

When you are ready to prepare for the interview itself, see our N-400 interview guide and our naturalization services page.

Planning to Apply for Citizenship?

H&H Law reviews eligibility dates, travel history and good-moral-character issues before your N-400 is filed, in English and Korean, from our Santa Ana office.

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6. Frequently Asked Questions

Can I keep my Korean citizenship if I become a U.S. citizen?+
Generally, no. Under Article 15(1) of the Korean Nationality Act, a Korean national who voluntarily acquires a foreign nationality, including through U.S. naturalization, loses Korean nationality on the date of acquisition. Article 15(2) contains narrow exceptions for certain acquisitions through marriage, adoption or recognition, which require notice to Korea within 6 months and are fact-specific. Certain former Korean nationals age 65 or older may later apply to restore Korean nationality while keeping U.S. citizenship. Korean nationality law is determined by Korea; confirm your situation with the Korean consulate or a qualified adviser.
How early can I file the N-400?+
Up to 90 days before you reach the 5-year (or 3-year, on the marriage path) permanent-residence requirement, counted from the "Resident Since" date on your green card. USCIS offers an early-filing calculator. An application filed too early is denied.
How much is the N-400 fee in 2026, and is it going up?+
The current USCIS fee is $760 for paper filing or $710 online, with a reduced fee of $380 for household income between 150% and 400% of the federal poverty guidelines. A proposed rule published June 23, 2026 would raise the fee to $1,330 / $1,280 and end the reduced fee and fee waivers for most applicants. The comment period closed August 24, 2026, and the rule is not final. Confirm the current fee on uscis.gov before filing.
Do I need to report the loss of Korean nationality, and where?+
Yes. Article 16 of the Korean Nationality Act requires a report of loss of nationality (국적상실신고) so that Korean records, including the family-relation register, are updated. Orange County residents generally file through the Consulate General of the Republic of Korea in Los Angeles, with a copy of the Certificate of Naturalization.
Can I travel to Korea on my Korean passport after I naturalize?+
No. Once you naturalize, you lose Korean nationality and the Korean passport is no longer valid for you. Travel to Korea on your U.S. passport. Former Korean nationals may qualify for the F-4 (Overseas Korean) visa for longer stays.
Does the 3-year marriage rule apply if my spouse became a citizen recently?+
The 3-year path requires that you have been married to and living with your spouse for the 3 years before filing and that your spouse has been a U.S. citizen for that entire period. If your spouse naturalized more recently, the 5-year path usually applies instead. Your specific dates should be checked before filing.

Primary Sources