Answer
FHA does not regulate or set the interest rate, discount points, or closing costs that a lender may charge. The rate, points and other fees are negotiated between the borrower and the lender.

For a forward mortgage, the lender can collect those customary and reasonable closing costs necessary to close the mortgage.
For loans originated through December 31, 2009, the origination fee may not exceed one percent.
For loans originated on or after January 1, 2010, the one percent origination fee cap was removed. However, borrowers may not pay a tax service fee.
This includes the FHA 203(k) Rehabilitation loan program; however, the guidance for the 203(k) supplemental origination fee did not change and remains the same.

The elimination of the origination fee cap for FHA standard forward mortgage programs DOES NOT apply to the FHA HECM (reverse mortgage).

Aggregate closing costs charged to a borrower may not violate the FHA tiered pricing rules which prohibit a lender from charging higher prices for low balance loans than the lender charges for higher balance loans. A lender's mortgage charge rate' (discount points, origination and other fees) may not provide for a variation of more than two percent on its FHA mortgages within a geographic area; and any such variation must be based on actual variations in fees or costs to the lender to make the loan.