 category of closing costs because they all actually do make sense they're not rip-offs they're all things that you do need you do need a survey you do need an appraisal you do need title insurance you do need to set up your escrow account all those things are fine there's nothing wrong with them but when you add them all up you kind of get a sticker shock moment you go they're ripping me off of these closing costs and no you're not really you just gotta know what they are