If you found an assumption, the answers below stating that it would take some cash to get closed is probably correct. A purchase would get you the zero move in.
I suggest you discuss your prequalification with a licensed mortgage loan officer.
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Lynn911 Dallas Realtor & Consultant, Credit Repair Advisor
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Lucy A. Puniwai
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It's a great way to get in trouble.
You can get a VA loan with no money down with a decent credit score.
Check with your bank to see if you can get prequalified for a loan.