First and foremost, I am a REALTOR, not a loan officer, so please accept my comments as a matter of personal opinion not legal advice.
MIP is required when the LTV (Loan to Value) is over 80%. Once you pay the loan down and realize appreciation so the LTV is less than 80%, you can have MIP removed.
Title insurance for the lender is required by the bank but it is optional for the buyer. However, I HIGHLY recommend it!! Try to negotiate a better price, although these rates MAYBE controlled by the state.
Lenders can't play games on the transfer tax simply because it is a TAX. They can't over charge you and then only pass on part of it to the state.
You are required to bring a paid hazard insurance policy to closing. This is POC (paid outside of closing) so I'm not sure why they are showing it here too. Ask for the details on the escrow amount ($3,362.55).
Best wishes on a smooth closing!!!