<prompt> Human: As the title states, my friend closes a house next month and we will be moving in together. My name is not on any of the paperwork. We havent gone through the legal action of creating a lease although Im sure it will be highly recommended. My question is how much of the mortgage mortgage insurance taxes bills including cable etc. I should pay? We want to switch to a flat rate after two or three months, taking an average of the bills into account. If something breaks or needs to be replaced water heater or sidingroof I am not held responsible financially. House Setup: 3 bed, 3 full bathroom, 2 car garage I will get 1.I will be taking a bedroom that has a normal sized closet and no private bathroom. He is taking the master bedroom. Everything else is shared, including furnished basement.What are similar situations that everyone has encountered?  <response>: You should pay fair market rate. Mortgageinsurancetaxes is irrelevant. 