Forgivable loan
Homebuying HERO Program (City of Fayetteville)
First-time homebuyers · Income limits
Down payment assistance · Cumberland County
Buying a home in Fayetteville, NC
1 Fayetteville program, 2 county programs and 6 statewide.Fayetteville has 1 program of its own, 2 more across Cumberland County, and 6 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Fayetteville addresses
Fayetteville’s own program
Anywhere in CumberlandAnywhere in Cumberland County
2 county programs2 county programs a Fayetteville homebuyer can also use
The Fayetteville marketThe Fayetteville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Fayetteville
- 61.6% single-familysingle-family
- 2.6% townhousetownhouse
- 8.8% 2–4 units2–4 units
- 24.1% 5+ unitscondo & apartment buildings (5+ units)
- 3% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Fayetteville’s homes were built
pre-19401970s2020+
44.1%
of Fayetteville 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
County area median income, 4 people (HUD)HUD area median income, Cumberland County, 4-person household (2026)
$58,407
Fayetteville median household incomeMedian household income in Fayetteville (Census, 2024)
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 nearbyFree help near Fayetteville
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
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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Across North Carolina and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
Fayetteville questions
Does Fayetteville have its own down payment program?
Yes, one: Homebuying HERO Program (City of Fayetteville), a forgivable loan for first-time homebuyers (income limits). It is for homes inside Fayetteville.
Can I use assistance on a condo in Fayetteville?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Cumberland County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Cumberland County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Fayetteville?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Fayetteville. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
28301 · 28302 · 28303 · 28304 · 28305 · 28306 · 28309 · 28311 · 28314
Nearby in Cumberland
Sources
Sources: agency sites (July–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.