Estimated payments normally represent the quantified sum of mainenance and taxes per month. In co-operatives, it;s normally listed as "Maintenance", which displays one total payment. In condominiums, it is separated as "common charges" and "monthly taxes". Condominiums are normally the better route since they appreciate much better, are a lot new in quality, maintain a much higher re-sale demand and offer tax abatements in new developments that allow you to pay nothing for 8-15 years and saves you hundreds per month. If you could clarify for me your e-mail address, general pric epoint and areas of interest, I will gladly send you detailed listings for the best possible deals that are out there right now in your exact criteria.
Your mortgage payments are based on the amount you're financing after your downpayment (which is probably at least 20% down if not more). Coop insurance is not expensive and you can contact any insurer to get a feel for pricing.
BTW, this is a real estate 101 type of question. Had you taken the time to do any research, you could have easily found your own answer. You could also work with a R.E. professional as you certainly need the guidance. Good luck out there.
The estimated payments include the mortgage payment and the maintenance of the unit.