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The items that you listed (escrow and title charges, appraisal and inspection fee)cannot be deducted.

Pointer-- The general rule for points is that they must be amortized over the life of the loan. The exception to the general rule is when you buy your main home the points can be deducted in full. The reason I bring this up is in case you do not have enough itemized deductions. (Under the exception assuming you meet the requirement-You would lose all tax benefits from the points because you couldn't itemize.) If that is the case you will want to treat the points under the general rule so at least you could get some tax benefit from them in the future.

There are nine test to use the exception to the general rule for points. You can find list of the nine rules in Pub 17 or 530.
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