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Conforming high balance home loans are conventional mortgages in which the original loan amount exceeds conforming loan limits. Conforming high balance loans are different from a jumbo home loan as they are specifically for “high-cost” areas in the United States (i.e. San Francisco, Los Angeles, San Diego). High-cost counties are designated by the Federal Housing Finance Agency (FHFA). If the home is not in an approved county, it will not qualify for a conforming high balance loan.

Currently, conforming loan limits are $424,100 and high-cost area limits are $636,150*.


How to Qualify for a Conforming High Balance Home Loan

  • Exact loan limits depend on where you live, if you expect to earn rental income, and the number of units you’re trying to obtain.
  • Your home or prospective home must be located within a designated high-cost county.
  • There are specific minimum down payment requirements for high-balance properties.
  • Fixed-rate mortgages and adjustable-rate mortgages (ARMs) are eligible loan products for conforming high balance loans.


Additional Resources

Federal Housing Finance Agency (FHFA)
Current Conforming Loan Limits
Summit Mortgage Corporation has the resources and tools to determine if a conforming high balance loan is right for you. Contact us today to learn more about this loan product.

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*Conforming loan limits are subject to change. Amounts determined by the FHFA. Loan limit amounts listed are for a 1-unit dwelling in the continental United States.