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5151,
Those would all be questions for the loan officer you're working with.
Off the top, I can tell you that lenders are required to list every fee you COULD be responsible for. I would review your real estate contract to see what portions the sellers are paying for. Out here (California), usually the seller is going to be paying for the transfer taxes as well as the Owners Title Insurance Policy.
Everything else looks normal. Be sure to look at the bottom of the loan estimate and see if there are any seller paid items in the final breakdown at the bottom of page 2 of the estimate. If they are not listed, go check out your contract and there will be boxes marked for what the seller will be paying for.
PM me if you have any additional questions.
Yes, those number would all be correct then....
1. Are you using their in-house lender? If so, are they giving you credit for using them?
2. Your other option would be to trade some of it for your interest rate. I.E. if you are getting 4% with no fees, you could take say, 4.25%, and the lender would give you a large chunk back to pay for some of that. .25% would generally be close to a full point credit, depending on the lender and market.