Your Title Company should give you the HUD1
They won't be identical, but should have a lot of the same numbers:
December is a good month to close, because they only collect 1 month's advanced taxes.
They should collect 1 month's Insurance, (may vary) but you are the one who negotiated the Home Insurance and should know how much it is per month.
Go over these two Doc's with your Agent so that you understand them; look for numbers that are not right.
Good luck and may God bless
Look at your Good Faith Estimate provided by your lender. It should detail the costs you will need to pay.
Yes, you will most likely have to pay the 1st years Homeowners Insurance.
If you cannot find your GFE, contact your lender and they can immediately email a copy to you.
All the best,