Settlement charges would depend on your loan amount and you state.
if you're having doubts about the fees, talk to your broker and ask him/her to explain each charge.
you can check out the amount of title insurance needed at this website.
On top of that there may be other charges such as charges for endorsements to the title, recording fees (which are a little higher in Philadelphia) notary fees and possibly aq settlement fee. You can save a few dollars by shopping around.
Alan Openshaw NMLS# 143960
Cornerstone Lending Inc.
267 992 7276