FHA House Hacking / Closing Costs

[Tryston Erwin]

Hey guys! I was hoping that someone could explain closing costs and FHA. I know I can get a property for 3.5% with PMI if I use FHA status. If closing costs are assumed to be 4% (I saw that as the realtor.com assumption) does that mean that I will need 7.5% to cover down payments and closing costs?

I ask because I had a buddy recently house hack a duplex with a FHA loan and he said he was able to get into the property with only 4% all in. I appreciate the support in advance!