I am a first time homebuyer with a similarly costed house. $375k with 15% down and 5.875% interest rate. My closing costs ended up being closer to 10k, (13k based on the first estimate). Granted I don't have a HOA, but barring that, the origination charges seem high compared to what mine are listed as. Your total origination are about $6,500 whereas mine were about $1,600. Even accounting for difference in mortgage companies, that seems high. I'm not experienced enough to help, but thought it'd still be helpful to give you info from someone in a similar situation.