How do I layer these grants without losing one?

Layering multiple grants or down-payment assistance programs without losing one means checking each program's rules on combining funds before you apply for any of them, since some explicitly prohibit stacking with other assistance. Applying in the wrong order can also disqualify you, if one program requires proof you have not yet accepted funds from another. A lender experienced with these programs can map out a sequence that keeps every source intact. Joel Boss works with lenders across North Metro Atlanta who track which programs actually stack together.