I have a private mortgage from my parents, 2 years ago, I "prepaid" 12 months of it with a bonus I recieved from work, in order to free up monthly cash flow to rent a (much larger) apartment, also from my parents.

I've been refinancing with Huntington in ohio with $500 closing costs on qualified properties, low income areas but 80% of columbus is a low income area so works out well for me.Also you shouldn't include prepaids in the cost like interest, insurance premiums, taxes etc. because you would pay those anyway :)

: 1.2k7) title binder commitment, title search abstract, title update fee, wire transfer fee: 550D: A+B+C= 5.7kE, F, G (these i get): government fees, prepaids, escrow payment at closing. taxes are extremely high here in IL. they included a homeowner's insurance premium. should i shop for this myself?

You may also have to come out of pocket at the closing table for the buyers' pro rata portion of property tax and other seller prepaids but that is not technically a closing cost.  

He thinks the only sticking point might be that the lender may want me to have even more skin in the game than my $15,000. of "pre-paid" equity!?! 

The JV capital provided 20% of the downpayment plus 6 months' worth of prepaid interest and all closing costs.

Depending on the coast to join I either go that route or find a pre-paid limited service broker in the area

Depending on how you buy it you would have escrow property taxes, hoa, utilities & closing, loan fees pre paid interest & all the other fees they can find. 

In your case, you have another $5143.80 in "prepaids and initial escrow." 

I always try to apply my commission to closing costs/ prepaids and down payment.