In Spokane WA thiss is the advice I would give my clients and you should check with yours to see if this applies to your situation. To compare apples to apples your good faith estimates (gfe) should be asked for on the same morning or afternoon to be sure the lending institutions are using the same base rate. The builders lender will prob be able to give a better deal on the appraisal fee as they may have had the whole development appraised and may have other "bulk dicopunts" that you will benefit from possibly in the form of "paying some of your costs". Just remember to take your good faith estimate to closing as any changes to that should have been disclosed to you prior to the closing table and if not you may not need to pay them.
The lender will arrange for an appraisal ( a cost to you the buyer) to verify the value of the property that you are purchasing and any work that you may have asked the builder to do prior to closing.
A home inspection is a private contractor that you the buyer select and pay for to get an independent 3rd party inspection of the condition of the contruction. In this area, this includes checking the plumbing, electrical, heating and so on. I always reccommend this - it is an extra expense but compared to the investment you are making it is well worth it. Yes the builder may say he comes back to fix anything but do you want to live thru the dining room ceiling coming down because the bathroom shower was not water tight? (actually happened to a client of mine who decided not to do a home inspection on new construction) You will have much more control on what happens before closing, before the builder gets his money than later. Also in this area some builders are experiencing long delays in getting fix up done after closing as they do not have the crews they had on call 6 months ago so chat to other buyers in the development to see how the builder is responding right now.
I have no experience with that lender, again maybe other buyers in the same development have.
HOA start up fee is a Home Owners Association start up fee. Each HOA has its own rules how the fund is started, the builder usually runs the HOA until a certain % of homeowners have purchased and then the rules for how it is run and the actual rules of the HOA , ( or C,C & R's codes covenants an restrictions). It would be a good idea to review a copy of these if you have not already to make sure you are comfortable with the rules. Things that generally occur, again in Spokane WA, no change in paint color without architectural committee approval in writing, same for fences, no garden sheds, no vehicles parked on hte street for 24 hours plus, any boat/ trailer parked behind side fence not on driveway etc.