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Yes, you have to pay closing costs on an FHA mortgage just like any other loan type. FHA loan closing costs are close to conventional closing costs: about 2-5% of the loan amount depending on your home price and lender. FHA also charges an upfront mortgage insurance fee equal to 1.75% of the loan amount. Most borrowers roll this into the loan to avoid paying it upfront. But if you choose to pay upfront, this fee will increase your closing costs substantially.