mortgage closing costs ?

Hi,
I’m getting a VA loan for a home whose purchase price is 175K (I’m paying 2PTS. to get the rate to 5.5%). My lender says they charge NO lender fees for VA loans. Sounds fishy to me.
In the good faith estimate, I have a question about line 1101 which is “settlement or closing fee”. The listed cost for this is $ 600. Title insurance (line 1108) is listed as $ 900 and the recording fee (line 1201) as $ 110.

The estimated closing costs are listed as $ 2014 without the prepaids or discount points included. This bank has to be making money off me but I can’t figure out how; this makes me uneasy. Any answers? Thanks in advance!

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