We propose a new mechanism to explain the unexpected quantum anomalous Hall (QAH) effect and the electric-field-induced Mott-to-QAH phase transition without charge gap closure in ABstacked MoTe2/WSe2 moiré heterobilayers. We suggest that a hole-occupied band carrying a nonzero Chern number can be generated by an intrinsic band inversion between two topologically distinct Dirac bands and a Coulomb-interaction-induced gap opening in the moiré band structure with broken time-reversal symmetry (TRS). The Dirac-band dispersion is induced by a pseudomagnetic field, which is originated from the Berry phase of Bloch electrons in the presence of a moiré potential. The TRS is broken by valley-polarized interlayer-exciton condensation under an out-ofplane electric field. The valley polarization can be demonstrated by using an excitonic Bose-Hubbard (BH) model and Berezinskii-Kosterlitz-Thouless (BKT) transition to transverse ferromagnetism. In low electric fields, the equilibrium state of the system is a Mott insulator state. At a certain electric field, the exciton condensate combining with the Chern band becomes a more stable state and the Mott-to-QAH transition occurs. Since the band inversion is intrinsic, there is no charge gap closure at the transition.