Hello Jo Ann,
It all depends on the loan program you ultimately go with. Taxes on all FHA/VA/USDA (basically any government) loans have to be included in your monthly payment. Conventional or Fannie Mae/Freddie Mac type of loans do not require that you escrow but if you are putting down less than 20% you most likely will have to include them as well. As many have already said, your insurance is included in your HOA fees but more often than not, you will have to get your own HO-6 policy which covers interior content. Hope this answer helps. I am a licensed loan office in the State of Texas and would be happy to assist you with any other questions you may have regarding financing or your home loan. Feel free to contact me at any time.