FHA loan closing costs are defined by the Federal Housing Administration and are determined as reasonable and customary by each local FHA office.
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Closing Costs

FHA Loan Rates
May 17, 2008

30 Yr. Fixed
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No Points
Low Interest
Best APR

15 Yr. Fixed
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No Points
Low Interest
Best APR

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FHA Facts | FHA Loan Types | Down Payment Grants

FHA Closing Costs

While FHA defines which closing costs are allowable as charges to the borrower, the specific costs and amounts that are deemed reasonable and customary are determined by each local FHA office. All other costs are generally not allowed and are usually paid by the seller when buying a new home, or paid by the lender when refinancing your exising FHA loan.


  • Lender's origination fee

  • Deposit verification fees

  • Attorney's fees

  • The appraisal fee and any inspection fees

  • Lender's origination fee

  • Cost of title insurance and title examination

  • Document preparation (by a third party)

  • Property survey

  • Credit reports (actual costs)

  • Transfer stamps, recording fees, and taxes

  • Test and certification fees

  • Home inspection fees up to $200
Allowed in an FHA refinance: wire transfer fees, courier fees, reconveyance fees, and fees to payoff bills.


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