If taxes are in the payment or on a loan where they are included the lender pays the taxes for you usually in early December. Insurance is paid whenever the renewal for the policy is due. Your escrows always keep enough to make these payments plus about 2 months of padding so that if taxes or insurance go up you still have enough to cover.
Hope this helps.
Don Groff | REALTORÂ® & Mortgage Broker
Austin Real Estate Pros & 360 Lending Group
o 512.669.5599 | m 512.633.4157 | firstname.lastname@example.org
websites: http://www.AustinListed.com | http://www.360LendingGroup.com