I think you should check with a mortgage professional rates are changing very often lately. I had a mortgage rep. tell me that FHA charges an additional fee even if the buyer has 20% down or more. He made it sound like a PMI fee. Sounds strange but it may be true. Please check with someone who writes loans. I came across this site, hope it helps you.
http://www.fha-home-loans.com/rate_finder.htm (just copy and paste it)
Arlene Trunzo,Board Certified Real Estate Broker
A..T. Real Estate Specialists LLC