Rolling Closing Costs into FHA Loan

[Quandra Adams]

I've read in multiple places that is possible to roll the closing costs into an FHA loan (but can more money). I emailed my lender to ask what that cost might be and I was informed that it's not possible. Well, these were her specific words "The only thing that can be rolled in is FHA upfront mortgage insurance premium, which I have already done. I few of the renovation expenses on a 203K are used to calculate in the loan amount but that really doesn't change the cash out of pocket."

Has anyone here ever done this? Where is the disconnect?