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.

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FHA Requirements

Closing Costs and Allowable Charges

While FHA requirements define 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 existing FHA loan.

FHA Closing Costs
  • 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 loan are wire transfer fees, courier fees, reconveyance fees, and fees to payoff bills.

FHA Loan Requirements

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FHA Loan Articles and Mortgage News

Mortgage Insurance Requirements by Loan Type

March 14, 2024 - Some loan types allow you to pay 20% down to avoid mortgage insurance altogether. Other loan types may allow you to make a larger down payment and stop paying mortgage insurance after 11 years. Other loans have no program-required mortgage insurance guidelines at all.

FHA Home Loan Down Payments: What to Know Before You Buy

March 13, 2024 - FHA home loan down payments are typically lower than many conventional mortgage equivalents, especially if you can’t afford the 20% down needed to avoid conventional private mortgage insurance, which is required on a conventional mortgage.

What to Know When Building or Renovating a Home

March 12, 2024 - Some want to build a home from the ground up, and that job requires an FHA One-Time Close construction loan. Others want to renovate an existing home using an FHA rehabilitation mortgage or its refinance equivalent.

Manufactured Housing and FHA Loans

March 10, 2024 - Roughly 20 million Americans have purchased manufactured housing, and most government-backed mortgage loan programs offer some type of home loan for these borrowers. That includes the FHA, which offers these types of home loans.

One-Time Close Loans Compared to Other Construction Loan Options

March 4, 2024 - If you want to build a house from the ground up using an FHA One-Time Close construction loan, you should research your options to ensure you’re making the right choice for the right project. Do you need an owner-builder loan, a renovation loan, or a construction-only loan?