Originally posted by @Paul Sofia:50/50, more than fair. 

Good luck, Paul

Paul,You typically pay 1 full year of home owners upfront (to the insurance company) than on top of that you will escrow between 3 to 5 months of taxes and insurance upfront.You mentioned flood insurance as well so first year  would need to be paid in full prior to closing to provide evidence the insurance has been bound.

Thanks, Paul

@Paul Sandhu - that's a cool niche!

Paul, MN. 

Thanks @Paul Sandhu.  

Any Minneapolis, St Paul MN  builders or remodelers out there that can help me out? 

Originally posted by @Paul LaSpina:@Dino Pierce    Hey Dino, Thanks for that....

Paul,I’m making a lot of assumptions because I reached out to the listing agent but never heard back.