I've been playing with JS Placement, a free piece of software, which generates technical looking displacement maps.
I used one of them along with a colour map from the same software to create a small city type thing. I then used colour adjust on the colour image to create the illumination. The slight blur is done in photoshop. Duplicate the layer, use levels to crush the blacks, leaving only the brightest highlights, change the layer to screen and then add gaussian blur until you get the look you want