http://www.reallynicehomes.com/first-time-home-buyers-tips-maryland-videos/ What Credit Score is Needed to Buy a Home in Maryland? A credit score of 620 is typically what is considered the minimum score that lenders require to give out conventional home loans. Most people get a conventional loan... these loans can be obtained from almost any bank or mortgage company and they aren't backed by the government...they usually required around 5 to 10% downpayment. There is also FHA loans that are in palce to help families buy a home with minimun expenses...please give a call to give you more information about these loans and any grants or gifts you may qualify for ...depending on your location in Maryland, DC or Virginia.