The Dowling Home Maintenance Fund provides no-interest loans to Community Home Trust homeowners in need of repairs and/or replacement of items related to the long-term sustainability of their homes. Payment assistance is available for items not covered by HOAs, insurance, or the Stewardship Program and prioritizes support for urgent and/or immediate needs.

Eligible uses include repairs deemed necessary for safe and healthy habitation or preservation of the home or affordability, which are not otherwise covered under the stewardship program.

You must be current on all mortgage, HOA dues, and ground lease fees to qualify for the loan.

After we receive your application, we will contact you to request some or all of the below documentation. If you'd like to expedite the application process, you can provide these documents now.

You can mail your documents to Program Coordinator Deja Gilmore at P.O. Box 2315, Chapel Hill, NC 27515 or email them to dgilmore@communityhometrust.org. You can also drop your documents off at our office (105 Conner Drive, Suite 1000, Chapel Hill). 

Documents that may be required:

• Last 4 paystubs for all wage earners in the household
• Annual social security statement
• YTD profit and loss statement for business income earned, along with previous year's taxes
• Copy of most recent mortgage statement showing the balance is current
• Child support or alimony agreements
• One month of bank statements
• Copy of invoice or quote from contractor
• Copy of proof of payment (if requesting reimbursement)

As part of the application process, CHT will provide optional free financial counseling and/or a home condition inspection. If you would like to take advantage of either of these services, provided free of charge by qualified CHT staff members, please indicate so below and we will contact you to schedule.