That is not how paying for famous undergraduate colleges with low admission rates works.
This view can be so damaging. I had alot to learn, too, when our eldest applied to college, and it seems your husband does, too. The sooner the better, bc, it is very hard for a high achieving student to be denied admission, or, to be admitted but the parents cannot afford.
In our case, it took time to investigate net price calculators to learn which colleges were in or out of budget.
As others have said, you will need to see if you are considered a full pay family and then decide if you are willing to pay.