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I know we provided receipts to our tax person when we used the adoption tax credit. SO I would think the loan is fine as long as you show proof in paying for adoption expenses. I would think the grant would not apply as this is money that was given to you by a non profit. I would encourage you to consult with a tax person. lawyer, or someone at your adoption agency.
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Deb
Started process 5/05
In Waiting Fmaily Book 2/06
Selected by birthmom 10/27/06
Placement 11/22/06
Finalized 3/2/07
Proud mom to Aiden 
Blessed in an OPEN adoption w/ a wonderful Birthmom
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