Question : this was a hud sale realtor did not submit allowed expenses for closing?
hud allowed $ 1965.00 for closing upon checking with the management company, i was told it was up to the Realtor and title company and my requested appraisal fee and homeowners insurance would be a allowed closing cost expense,however as i stated previously, we did not find out until the last moment that they did not include those fees but gave as a home warranty instead, since there offer to postpone was not an option my question was what recourse do i have,
homeowners warranty insurance

Best answer:

Answer by acermill
None, if you have already closed on the purchase. At time of closing, you signed the HUD statement, thereby agreeing with same. If you were aware of those options at closing and closed anyway with that knowledge, the responsibility is yours.