FHA Mortgage Guidelines:  For the Professional

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FHA Closing Costs

FHA Closing Costs that may be charged to the borrower and may NO LONGER be included in the borrower's 3.5% investment requirement. Reference Mortgagee Letter 2009-07 (thank you Sean)

  • Appraisal Fee Flood Certification Survey
  • Attorney Fee (3rd Party Only)
  • Home Inspection fee (purchases) up to $300
  • Tests or treatment required by HUD
  • Courier Fee - only on Refinances and must have borrower's consent
  • Inspection Fee (repairs/completion) by Appraiser
  • Title Exam
  • Credit Report 
  • Origination Fee 
  • Title Insurance endorsements
  • Deposit Verification fees 
  • Pest Inspection 
  • Title Insurance Policy (both Lender and Owner policy)
  • Document Tax Stamps on note/mortgage
  • Real Estate Broker fees 
  • Title Search/Abstract
  • Document Preparation Fee (third party)
  • Recording fees for both mortgage and deed
  • Engineer Certification of foundation for Manufactured homes
  • Settlement Fee (Attorney) 3rd party
  • Processing Fee
  • Amortization schedule Lock in or Commitment fee
  • Application fee Name affidavit fee
  • Commitment fee
  • Name affidavit fee

Unacceptable FHA Closing Costs (Cannot be charged to Borrower):

  • Tax Service fee

Reference: Mortgagee Letter 2006-04



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