The realtors made the most money on the deal when you bought the house, just look at the commissions paid on your HUD-1, they hold themselves out as experts with knowledge of all things associated with buying and selling a home and that is why they want you to use their services because of their expertise. That's why they make so much money on the sale of a home, for their expertise. The realtors are familiar and should be familiar with the development in which the home was located and the common charges associated with that community and should have checked the disclosures carefully and put the buyer on notice of the front foot benefit charge. I recommend contacting the realtors involved and the brokers. They should pitch in on this and back their cliam of "expertise" and "knowledge"