I need to sum a range of cells until a taget value is reached or just
under target value is reached. Once I have reached the target, I
would like to get the cell address of tthe cell directly above that
point.

Simplified Example:
A1:F1 contains Jan, Feb, Mar, Apr, May, Jun
A2:F2 contains 2, 4, 7, 3, 1, 5

A5 contains the target, 16

I need the output to indicate "Apr" or the cell address "D1"

I can do this in VBA; however in this instance, I would prefer to use
cell-based formulas. I have tried to use array formulas, but with no
success. Any ideas?

Any help would be appreciated.