Your Lender should have given you a GFE (Good Faith Estimate) and explained it to you.
Your Title Company should have given you a HUD1, which shows everything that both principles pay at the Closing of the loan, and explained it to you.
Your Realtor should have helped you with these, making sure you understood everything;
It's one of the things that we do.
We couldn't possibly answer your question without seeing the documents.
Good luck and may God bless