Can I pay those other things separately?

Not if it's a FHA or VA-insured loan. With most other loans, you can pay your own taxes and insurance if your borrowed no more than 80 percent of the purchase price or appraised value of your home. Check with your lender to be sure.

Donald Bradbury, Realtor Prudential 
Patt, White Real Estate
2 North Main Street Coopersburg, PA 18036
Phone:   610-282-4444      Fax:   610-282-1730
A Prudential Fox & Roach Partner 
Prudential Patt, White Real Estate is an Independently Owned and Operated member of The Prudential Real Estate Affiliates, Inc. 
Copyright © 2011 Prudential Patt, White Real Estate, Inc.
All information provided is deemed reliable but is not guaranteed and should be independently verified. 
© 2011, An independently owned and operated member of The Prudential Real Estate Affiliates, Inc. 
Prudential is a service mark of The Prudential Insurance Company of America. Equal Housing Opportunity