The property taxes and insurance affect the monthly mortgage payment if wrapped up into the loan but not the loan amount.
Please consult your loan officer.
Here's a great Mortgage Professional that I've referred many clients to.
Ken Lombardi - REMN
Cell: (973) 632-3487
He knows his stuff and takes the time to make sure his clients get all of the details they need to make informed decisions.
Coldwell Banker Franklin Realty
"Tambien hablo espanol si lo prefiere."