refinance with BoA for primary home @ 2.75%, 30 yrs, loan amount

FYI: closing cost more than $7000 looks high, but anyway, reduce the monthly payment 

A. Origination Charges $1,861.12
01 0.848% of Loan Amount (Points) $1,221.12
02 Lender Origination Fee $640.00

B. Services Borrower Did Not Shop For $1,810.75
01 Credit Report Fee to CoreLogic Credco $30.00
02 Flood Certification Fee to CoreLogic Flood Services, LLC $3.75
03 Life of Loan Flood Monitoring to CoreLogic Flood Services, LLC $8.00
04 Tax Service Fee to Corelogic Tax Services llc $79.00
05 Title – ALTA 5 Endorsement to Wfg National Title Company $32.00
06 Title – ALTA 8.1 Endorsement to Wfg National Title Company $32.00
07 Title – ALTA 9 Endorsement to Wfg National Title Company $250.00
08 Title – Closing/Escrow Fee to Wfg National Title Company $350.00
09 Title – Lender's Title Insurance to Closing Insight $1,026.00
10
C. Services Borrower Did Shop For

D. TOTAL LOAN COSTS (Borrower-Paid) $3,671.87
Loan Costs Subtotals (A + B + C) $3,641.87 $30.00
Other Costs
E. Taxes and Other Government Fees $90.00
01 Recording Fees Deed: Mortgage: $90.00 $90.00
02
F. Prepaids $2,272.85
01 Homeowner's Insurance Premium ( mo.) 
02 Mortgage Insurance Premium ( mo.)
03 Prepaid Interest ($10.36 per day from 11/8/21 to 12/1/21) $238.28
04 Property Taxes (12 mo.)  $2,034.57
05
G. Initial Escrow Payment at Closing $1,298.02
01 Homeowner's Insurance $93.58 per month for 7 mo. $655.06
02 Mortgage Insurance per month for mo.
03 Property Taxes $339.10 per month for 4 mo. $1,356.40

08 Aggregate Adjustment $-713.44
H. Other

I. TOTAL OTHER COSTS (Borrower-Paid) $3,660.87
Other Costs Subtotals (E + F + G + H) $3,660.87
J. TOTAL CLOSING COSTS (Borrower-Paid) $7,332.74
Closing Costs Subtotals (D + I) $7,302.74 $30.00
Lender Credits

$136,000 payoff