closing costs paid by seller

What is the name of your state?PA
I am a seller and am to pay closing costs not to exceed $3280.
Is insurance and appraisel included in this cost? The bank closing costs total $3100. and they have said the costs are $3280 due to insurance ect. Is this legal or am I getting ripped for the difference?

[kingston]

Most appraisers like getting paid at the door so it is paid outside closing

Your purchase contract governs what your obligations are what does it say in reference to your closing costs

[HUD-1]

An appraisal is considered a closing cost. Insurance is considered a prepaid item...

[PghREA]

You are the seller and you are to pay closing costs not to exceed a certain amount.

Are you paying these closing costs on behalf of the buyer (seller's assistance)? Some lenders allow the seller to pay up to 3% or 6% (depending on the type of loan) of the sales price of the home for the buyer.
The sale price is usually adjusted to reflect this seller concession. If this is the case the insurance that you are referring to is MIP or PMI (not home owner's.) Seller's assistance is applied to the closing costs first and, if there is money left over, to the pre-paids which include taxes and mortgage insurance. So, no, I don't think you are getting ripped off.