Question on closing costs

[Nicholas M.]

Hi all, I'm a new comer to BP but have been following for a couple of years. We're getting close to our first purchase (duplex to house hack) and we're working with a lender who our realtor recommended. The lender provided a "pre-application worksheet" with a breakdown of our likely closing costs and they are MUCH higher than we expected. For reference we are in Palm Beach County, FL. 

• Purchase Price: $310,000
• Down Payment: $10,850 (3.5%)
• Closing Costs: $16,505
• Total cash from borrower: $27,355 (on a 3.5% down FHA). Is this right?

Closing costs include the following:

• Daily interest
  
• Mortgage Ins Premium
• Homeowners Ins
• Property Taxes
• Lender's Title Ins
• Settlement Fee
• Title - Endorsements
• Abstract or Title Search Fee
• Title Examination
• Courier Fee
• Wire Transfer Fee
• Appraisal Fee
• Credit Report
• Final Inspection
• Survey Fee
• Recording Fee
• City/county Tax Stamps
• State Tax Stamps
• Processing Fee
• Administration Fee