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 CHT Homebuyer Support Specialist,
Rachel Cone at P.O. Box 2315, Chapel Hill, NC 27515 or email them to rcone@communityhometrust.org. You can also drop your documents off at our office (105 Conner Drive, Suite 1000, Chapel Hill). 

Documents that may be required:

For Income

• Most recent tax return - if you have income listed on your tax return that is not included in the below requests, please provide documentation of that income. (i.e. dog walking, hair dressing, babysitting, house cleaning, etc.)
• 3 months of pay stubs
• 3 months of bank statements (checking & savings)
• YTD profit and loss statement for business income earned, along with previous year's taxes
• Other income (if applicable)
• Social Security/Social Security Disability Income (SSI/SSDI) Award letter
• Child support or alimony agreements
• Copy of most recent mortgage statement showing the balance is current
• Separation Agreement or Divorce Judgment 
• Verification of Employment (VOE)

For Repairs

• Copy of invoice or quote from contractor
• Copy of proof of payment (if requesting reimbursement)