Some number probably not right

1.这个closing cost合理吗？

Appraisal Fee     $ 350.00  --Ok
Credit Report Fee $ 15.00  --OK
Flood Certification $ 10.00  --OK

--Above three are charged by your bank.

Settlement Fee - Borrower $ 750.00--what's this, Your attorney fee? than that's OK
Title Insurance $ 650.00--Seems too low for 330K house, what state are you in?
Recording Fee - Deed $155

===Total $1930

2.在prepaid部分，怎么会有两个Hazard insurance？

Hazard Insurance premium $600

Hazard insurance 3 month $150

------------------

Title insurance for a 330K house, in NJ/NY, if you buying a house, it is about1450, refinance 770, Other state could by similiar amount.

Seems it is missing:

title search/survey, avg $500 here in NJ

Recording for all(plus other small charges), avg $500 in NJ

Usually bank would charge origination fee/commitment fee etc, total could be 400-700.