two to three months of insurance. the number of months property taxes escrowed depends on when you close and when the taxes are due. for example, if you close on April 30th, the first mortgage payment won't be due until June 1st which means you will pay into escrow seven months of taxes (June thru Dec) by the time they have to be paid to the county (Jan 1st). since the county expects you to pay the entire twelve months worth of taxes, you need to come up with five more months of tax $$. add to this the two months $$ reserve the mortgage company wants in your escrow account and you'll pay a total of seven months at closing.
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