Under FHA rules, there are certain costs that the buyer may not pay, which means that the seller will have to pay them on behalf of the buyer. Sometimes, the buyer will increase the purchase price by the amount that the seller has to pay to offset the increased seller expenses, but in a buyer's market, this may not happen. Some of the fees that a buyer may not pay under FHA rules are (Association Transfer Fees,
Buyers' Loan Processing Fee, Buyers' Loan Document Fee, Sub-Escrow Fee, Tax Service Fee).
I hope this helps.