Can someone help me understand these refinancing closing costs. Are they high?

I'm still waiting for a response from the lender, but the estimated closing costs I received for a 7.15% to 6.35% refinance with zero points bought are $13,500 and include:

1. Closing cost fees of roughly $4,500.
2. 'Prepaids' of roughly $7,000. This includes 'interim interest' of $4,000 and 1 year of hazard insurance of $3,000
3. 'Reserves/impounds' of $2,500, which include 2 months of hazard insurance and 2 months of property taxes

I was fully expecting and ready to pay the closing costs in item #1, but #2 and #3 caught me off guard and I'm just generally confused. Are these actually coming out of pocket from me at the time of closing, or do I just need to have that money available in my accounts? If I have to pay all these amounts out of pocket, is this normal to have this much prepaid/reserve amounts?