4001.122—Fees and closing costs.
(a)
The holder or servicer of the existing senior and subordinate mortgages shall either forgive or waive all prepayment penalties and delinquency and default fees.
(b)
Allowable closing costs incurred in connection with the refinancing and insurance of a mortgage under the Program can be paid from the following sources:
(2)
The mortgagee holding or servicing the existing senior and subordinate mortgage or the mortgagee originating the Program mortgage;
(4)
Financed as part of the Program mortgage provided that the mortgage amount is adjusted accordingly, and the loan-to-value ratio does not exceed 90 percent (including the up-front premium required under § 4001.203(a)(1) );