Am I BUYING A USED CAR (203 streamline loan)

[Christopher Veljkovic]

Is it possible 203 streamline, realtor, and mortgage officer are in Cahoots?  

The reason are I was recommend to a contractor from my loan officer first and then reaffirmed by my realtor.  Now I received the quote from the initial contractor , which I though was out of this world, I explain to my realtor and loan officer that I’m receiving more estimates, they questioned my decision and asked who I was getting them from. Why it matters to them, it beats me??!!  

Now the problem is I'm applying for 203 limited loan and the number do not work out with a regular FHA loan. Even if I use the full amount of the 29,400 (after all feed and stuff) why should I pay for a around about of 50k at closing as oppose to 14000 minus my down payment already with a regular FHA loan?!!??? Doesn't make sense??.. down payment on closing cost? I thought the point of a FHA 203 streamline is low money down out of pocket. If the most I ask for is the ful amount why should I put that money into the initial down payment? Right?

Am I dealing with a used car salesmen or what???  I’m sorry to all other loan officers but that is how I am feeling at this point. 

Any clarification would be greatful!!!