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FHA loans in Spring Lake, NC

Quick answer

The 2026 FHA loan limit in Spring Lake, NC (Cumberland County) is $541,287 for a single-family home, enough for a purchase price up to about $560,000 with 3.5% down. On the $101,300 median home value, that down payment is about $3,546 and the estimated payment is $932/month at 7.18%, which needs roughly $40,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $50,497; value-to-income ratio 2.01. Spring Lake ranks 96 by home value and 84 by population among 96 places in our NC dataset.

What does an FHA loan cost on a typical Spring Lake home?

ItemSpring Lake
Median home value (Census ACS)$101,300
North Carolina median home value$259,400
Down payment (3.5%)$3,546
Loan incl. 1.75% upfront MIP$99,465
Estimated monthly payment (PITI + MI)$932
Income needed (28% / 36%)$40,000 / $32,000
Cumberland County 2026 FHA limit (1 unit)$541,287
Max purchase price at the limit$560,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes North Carolina's 0.70% effective property tax rate (Census ACS), $1,852/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Spring Lake?

Spring Lake is in Cumberland County where HUD's 2026 one-unit FHA limit is $541,287. With the minimum 3.5% down, that caps the purchase price at about $560,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Spring Lake median home value of $101,300 is 61% below the North Carolina median, and within what the county limit supports.

Which down payment assistance programs can Spring Lake buyers use?

FHA loans in nearby cities

Anderson CreekSpout SpringsFayettevilleHope MillsSouthern PinesSanford

FHA loan FAQs for Spring Lake

Spring Lake is in Cumberland County, where HUD's 2026 FHA limit for a one-unit home is $541,287. With 3.5% down, that supports a purchase price up to about $560,000.

3.5% of $101,300 is about $3,546 with a 580+ credit score (10%, or $10,130, with a 500–579 score), plus closing costs.

At the $101,300 median value (below the North Carolina median of $259,400), the estimated payment of $932/month at 7.18% needs about $40,000 a year under the 28% housing guideline, or $32,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.