HUD Home closing costs

[Kevin K.]

I've purchased a HUD condo for 76,000. I expected closing costs to be somewhere in the 3-3500 dollar range. I've just been given the HUD addendum listing seller payments and buyer payments, and the total I owe in costs in almost 8%. (6k) I suppose I should have expected more but my realtor told me to "expect to pay in the area of 3-4%" ($3,040) of sale price. Almost 4k of these costs are tied up in "Title services and lender's title insurance." This seems unreasonable to me but it's my first go at this, so I'm not sure. Luckily this is a property I intend to live in so I'm not overly concerned with any data for flipping or profit, just in a bit of shock at how high the amount has risen. Any thoughts?