@Cassidy Howe hey I got a great answer on WhatsApp by Chris and @Matthew Wang Matthew Wang said, "Insurance - typically yes. Not always. Assume you do. Taxes - no. It will either be part of your monthly mortgage payment towards escrow or all at once directly to the county when taxes are due (often 2x per year) " Christian Osgood said, "Insurance yes. Most states collect tax in full each year. WA state does it in 6 month increments."