During closing they will walk down HUD-1 line by line

and they will explain to you that you are paying the title insurance, what would you do? Just say "Yes I understand"?

The fact is by signing HUD-1, you created a piece of evidence that conflicts with the original contract. You just muddied your own water.

During your closing when they walk down HUD-1 line by line, you'll have to point out all the mistakes. Which only means, if they don't fix it, you don't close.

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