What are the Closing Costs in NJ?

Here is a list of “fees” on the Good Faith Estimate from Wachovia
Interest Rate is 5.500% (6.191% APR)

0801 Loan Origination Fee: $ 1446.53
0803 Appraisal Fee $ 300.00
0804 Credit Report Fee $ 15
0812 Flood Certification $ 15
0818 Application Fee $ 60
0901 Interm Interest $ 66.54
0902 FHA PMI $ 2531.43
1003 City Property Tax $ 978 (3 payments)
1101 Settlement Fee $ 300
1103 Title Examination $ 650
1108 Title Insurance $ 705
1201 Recording Fee $ 120 (includes deed/mortgage)
1301 Survey $ 125
1311 Free Form From MPOS $ 500

Total Settlement Charges $ 7812.50

The title company sent me a letter with the following (ill type in CAPS to distinguish the difference)

INSURANCE PREMIUM: REISSUE
OWNER’S POLICY: $ 588
LOAN POLICY: $ 25

CHARGES:
EXAMINATION OF TITLE: $ 90.00
MUNICIPAL LEIN SEARCH $ 45.00
PATRIOT NAME SEARCH VS BUYER: $ 10
UPPER COURT VS BORROWER: $ 15
TRANSACTION MGMT PLATFORM: $ 25
CORPORATE STATUS VS SELLER $ 35

TOTAL: $ 833

SETTLEMENT FEE (NOT INCLUDED IN TOTAL)
INSURED CLOSING LETTER: $ 25.00
FLOOD CERTIFICATION: $ 20.00
TIDELANDS SEARCH: $ 75.00
DRAFTING OF METES: $ 50.00

ENDORSEMENTS (25 PER ENDORSEMENT)
ENVIRONMENTAL ENDORSEMENT
LENDER’S SURVEY
ALTA 9-06 RESTRICTIONS
ALTA 4.1-06 CONDO ENDORSEMENT
ALTA 6-06 VARIABLE RATE
ALTA 22 LOCATION
ALTA 5.1-06 PUD
SURVEY

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Is the GFA estimate accurate? Some items are listed in the GFA and then relisted in the estimate from the title company (do I need to pay twice?)

If it’s not listed, do i need to pay those fees? If there are items not listed, please let me know so I can ask my lender (Wachovia) if I am responsible for them.

Thanks
Thanks you for your help

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