Imagine that after months of house hunting, you’ve finally found your dream home. Your down payment is saved up, you’ve had a successful home inspection, picked a real estate lawyer, and are just waiting for closing day so you can get the keys and move in. But when closing day comes, your real estate lawyer hands you a statement of adjustments that includes a number of charges you didn’t expect to pay for. Land transfer tax, title insurance, disbursements and other fees – how can they add up to so much?