Down Payment Assistance Terms. The Homeownership Assistance Program provides mortgage assistance for up to 15 years for working families and up to 30 years for disabled families.Down Payment Assistance Directory. Multifamily Loans with No Money Down. WE MAKE IT EASY to start with no money risk. Help pay for housing programs and help in San Bernardino, ca. Search 151 social services programs to assist you. Of Community Development and Housing. CalHFA offers first mortgage loans, both FHA and conventional, which can be combined with its down payment and closing cost assistance. NPHS offers a variety of mortgage assistance programs for first-time homebuyers purchasing a home in Riverside, San Bernardino, and East Los Angeles Counties.