Cash-out Refinance...Title Closing Costs Necessary?

[Steve DellaPelle]

Hello all,

SFH Investment Property Out-of-State:

I currently have a Home Equity loan...$98,000/ 5.8%/ 20 Year

I am trying to cash-out refinance to a conventional loan...$150,000/4.875%/30 Year

Majority of the closing costs come from the below...are all of these necessary? Can someone explain further what these costs are?