FHA Loan Limits and USDA Eligibility in Cumberland County, North Carolina
2026 FHA one-unit limit in Cumberland County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. USDA 502 Guaranteed 1–4 person moderate income is $122,800. Enter a ZIP on the maps. USDA scores the property address, not the county.
2026 FHA Loan Limits Map for North Carolina
North Carolina one-unit limits: —
Loading FHA loan limits map…
Loading North Carolina…
Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+
USDA Property Eligibility and Income Limits Map for North Carolina
Loading USDA map…
Loading North Carolina…
EligibleIneligibleUSDA ineligible boundary
Cumberland County FHA Loan Limits and USDA Income
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.
| ZIP | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| 28301 | $541,287 | $122,800 |
| 28302 | $541,287 | $122,800 |
| 28303 | $541,287 | $122,800 |
| 28304 | $541,287 | $122,800 |
| 28305 | $541,287 | $122,800 |
| 28306 | $541,287 | $122,800 |
| 28307 | $541,287 | $122,800 |
| 28309 | $541,287 | $122,800 |
| 28311 | $541,287 | $122,800 |
| 28312 | $541,287 | $122,800 |
| 28314 | $541,287 | $122,800 |
| 28318 | $541,287 | $122,800 |
| 28331 | $541,287 | $122,800 |
| 28334 | $541,287 | $122,800 to $152,600 |
| 28342 | $541,287 | $122,800 |
| 28344 | $541,287 | $122,800 |
| 28348 | $541,287 | $122,800 |
| 28356 | $541,287 | $122,800 |
| 28371 | $541,287 | $122,800 |
| 28384 | $541,287 | $122,800 |
| 28390 | $541,287 | $122,800 |
| 28391 | $541,287 | $122,800 |
| 28395 | $541,287 | $122,800 |