HELP!!! With closing cost for an FHA Loan?

I am buying a condo in NJ and my LO has sent me the GFE. The property price is 185000 and I am going to go with a 3% down payment that is supossed to be 5550. I know that the difference between the house price and the loan amount is the down payment So my loan amount must be 179450. On my GFE the loant amount says: Loan amount + UFMIP/FF=183549. Also, there is aother line that says UFMIP/FF financed 2712.56 that has been added to the funds needed for closing. Do I need to pay the 5550 for down payment or just the difference between the house price and the loan amount + UFMIP/FF (that is 1451). Is 6811.56 a fair amount for that insurance??? Also, on the closing cost section they are adding 695 for a commitment fee. What’s a commitment fee???

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