Down-payment Assistance Program (DAP)
Forgivable loan · Forgiven over 5 yrs · Income limit 80% of AMI
Single-family detached, townhouse, condominium.
See details Jul 2026
Down payment assistance · North Carolina
Buying a home in Cumberland County, NC
2 county-wide programs, 1 city with their own, plus 6 statewide and 62 nationwide.Cumberland has 2 programs that cover the whole county and 1 city with a program of their own. On top of those, 6 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in CumberlandAnywhere in Cumberland County
2 programs for every Cumberland address2 programs that cover every Cumberland address
All 2 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in Fayetteville, Fort Bragg or Hope Mills can use them. All 2 are for first-time homebuyers and ask for a homebuyer class.
GAP Loan Program
Forgivable loan · Forgiven over 5 yrs · Income limit 80% of AMI
Single-family detached, townhouse, condominium.
See details Jul 2026
AMI is HUD’s area median income for Cumberland, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
1 city with their own program1 Cumberland city with their own program
For a home inside that city, on top of the county-wide 2.A city program is for a home inside that city. Buying there? It sits on top of the 2 county-wide programs above.
The Cumberland marketThe Cumberland housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Cumberland
- 64.7% single-familysingle-family
- 2.4% townhousetownhouse
- 7.2% 2–4 units2–4 units
- 17.7% 5+ unitscondo & apartment buildings (5+ units)
- 7.9% mobile & othermobile home & other
Condos count. All 2 county-wide programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cumberland’s homes were built
pre-19401970s2020+
38.4%
of Cumberland homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$81,900
HUD area median income, 4 people (FY2026)HUD area median income, Cumberland County, 4-person household (FY2026)
$61,291
Median household income (ACS 2024 5-year)Median household income in Cumberland (Census ACS 2024 5-year)
55%
of occupied homes are owner-occupied (North Carolina: 66.6%)
The two income figures measure different things. HUD’s area median income is the one programs use. 15 of the 71 programs here set their income limit as a share of Cumberland County’s area median income, adjusted for household size. See the published limits for Cumberland County
Free help in CumberlandFree help in Cumberland
2 HUD-approved counseling agencies with an office in the county2 HUD-approved housing counseling agencies with an office in Cumberland County
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Cumberland County.
7 cities and placesA to Z
All cities in Cumberland CountyAll 7 cities and places in Cumberland County
has a program of its own
Cumberland questions
Can I use a county program anywhere in Cumberland?
The 2 county-wide programs cover homes anywhere in the county. City programs, like Fayetteville’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Cumberland County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Cumberland programs accept condos?
All 2 county-wide programs list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Cumberland?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies have an office in Cumberland County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.