Approved with FHA Home loan but they require payment protection?

why is this?
we have to have a 6% assist and 3.5 percent down, which is fine but why do we need this on top of the mortgage, taxes, and insurance?!
we are buying our first home from my mother in law for 90k and the home is worth 160k so we are deff making out good but whats up is this a scam?
app by bank of america by the way.

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