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FHA closing costs and allowable charges


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.


Sample Fees & Cost (some or all may apply)

  • Lender origination fee

  • Appraisal and Inspection

  • Document processing 

  • Deposit verification

  • Property survey

  • Credit reports 

  • Cost of title insurance and title examination

  • Transfer stamps, recording fees, and taxes

  • Test and certification fees

  • Wire transfer, courier, reconveyance and fees to payoff bills


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