Both programs typically can be layered and used together. The key is finding a LENDER who is certified to work with the programs and a REALTOR who understands them. Their are other grants available that go with the particular house rather than the municipality. A good place to start is with the HUD counselor in the area, since for many of the programs you have to ho through theirbprogram in order to qualify for getting the grant money.
Note - some of the grants have to be paid back regardless, but some are foregivesble if you live inthe home for 5-7 years