FHA allowing buyer contributions to the 2nd ?

Anyone have experience trying to get FHA to allow buyer contribution to the 2nd lender ? In this case the 1st lender is paying a 3% buyers credit toward the closing costs -and allowing the buyer to come to closing with an equal amount toward the 2nd, but buyer's agent is worried their client's FHA loan regs. won't allow the contribution on the HUD, even though they get it back...Any input is greatly appreciated !!
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