Down-payment Assistance Program (DAP)
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Cumberland County
Buying a home in Hope Mills, NC
2 county programs and 6 statewide.Hope Mills has no program of its own, 2 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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What’s local to Hope Mills
No program of Hope Mills’s own yet
No program run for Hope Mills alone is listed. A home in Hope Mills can use Cumberland County’s programs below, plus the North Carolina statewide and federal ones.
The closest city that runs its own program is Fayetteville, about 7 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in CumberlandAnywhere in Cumberland County
2 county programs2 county programs a Hope Mills homebuyer can use
1 more program is for homes in Fayetteville. See them 1 program in neighboring cities — for homes inside those cities, not Hope Mills
- Fayetteville — Homebuying HERO Program (City of Fayetteville)
The Hope Mills marketThe Hope Mills housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Hope Mills
- 76% single-familysingle-family
- 2.9% townhousetownhouse
- 7.7% 2–4 units2–4 units
- 11.8% 5+ unitscondo & apartment buildings (5+ units)
- 1.6% mobile & othermobile home & other
Condos count. All 2 of Hope Mills’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Hope Mills’s homes were built
pre-19401970s2020+
27.2%
of Hope Mills 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)
$65,774
Hope Mills median household incomeMedian household income in Hope Mills (Census, 2024)
14 of the 70 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 Hope Mills
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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
Hope Mills questions
Does Hope Mills have its own down payment program?
No program run for Hope Mills alone is listed. A home in Hope Mills can use the 2 programs that cover Cumberland County and the 6 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Hope Mills?
All 2 of Hope Mills’s local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Cumberland County?
Each program sets its own. 14 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 Hope Mills?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Hope Mills. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
28348
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.