Why do the Taxes and Insurance seem to double with 3% down, as opposed to 20% down?House costs 174,000 dollars. With 20% down, the Estimated Monthly Payment for taxes and insurance is $187. However, with 3% down, the taxes and insurance climb to $352! Why is this?December 09 2012 - Nashville00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.