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Spare a dollar?
(sh.itjust.works)
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this post was submitted on 28 Dec 2023
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They can be or they can be paid through "escrow" and your mortgage servicer will pay them.
Usually sites like these want to show total monthly cost though, so they tend to include estimates for property taxes and insurance in the monthly payments. Whether it gets paid through your mortgage servicer or directly by you doesn't change much.