Affordable Loans any more?

[Gloria C.]

Maybe I'm just out of touch with the current market, but I'm looking at a $245K property, putting down $61,000 (25%), have an above 800 credit score and my closing costs are $14,700+/-!  AND had to pay 3 pts to get a 6.125 interest rate....

I didn't really shop around due to urgency of having to make a decision, so I went with a highly reputable lender.

Sticker shock! Is this the new normal?  Hoping someone can make me feel better about this? Please be kind!