You expect to own the real estate you purchase free and clear after closing. This is by no means an unreasonable expectation, considering the fact that you agreed to pay good money for the property. More than likely, part of your purchase and sale agreement included the need to ensure that no issues regarding the transfer of a clean title to you come up during the due diligence phase of your transaction.
When buying a home, the price of the home itself is not the only cost a person will generally have. For one, there are a wide range of different fees that can come up during the closing process, including mortgage-related fees.
Unpleasant surprises can be problematic in any context. They can be particularly so though when buying a home. Unfortunately, there are many different types of such surprises that could potentially arise for a buyer in relation to a real estate closing.