Investors & landlords

Property tax, insurance premium etc are not really closing tax when it comes to your tax returns. These are recurring expenses and you are paying it to an escrow because that's what you and bank have agreed for. These are expenses you incur yearly for your primary home.   Property tax may be tax deductible but insurance premium is not. 

Title insurance, and other costs too (I think) are part of cost for the primary home.  I feel only the points you paid is perhaps can be and needs to be split.