Typically, the cost will be borne subdivide buyer. And if the subdivision is in a single compartment is a single lot number, personally, FHA is a burden on the sellers convenience. I would not have to bother to put the money. Subdivide is essential, if the brush is called to unite the land is divided into more than one lot number of the opposition. Pen if I do not even have to. For example, one block and lot number two is split into two - would be. If a buyer because of subdivide one parcel, will subdivide the real-estate surveyor. Says to subdivide land that is split.