In 2025, the FHA loan limit in the county of Cumberland, within Spring-Lake, NC, is fixed at $356,362 for a single-family home, $456,275 for 2-unit properties, $551,500 for 3-unit residences, and $685,400 for those with 4 units.
The maximum amount for conventional loans on a single-family property reaches $548,250. For homes with 2 units, it is set at $702,000, increasing to $848,500 for 3-unit buildings, and $1,054,500 for 4-unit properties.
Utilize our FHA calculator to access today’s top FHA rates and determine the necessary downpayments, income levels, credit standing, reserves, and documents required for qualification.
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The Lendersa® calculator enables comparisons between FHA rates and terms and those of all other loan programs. Investigate and contrast with loans such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money alongside FHA programs.
Lendersa® collates data from thousands of lenders, efficiently matching it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2025 in Spring-Lake county, Cumberland, NC, allows users to compare maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For assessing qualification requirements including income, reserves, and credit, deploy the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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