A High-Balance Mortgage Loan is a conventional mortgage loan where the loan amount exceeds the conforming loan limits. Specific high-cost area loan limits are established annually for each county by the Federal Housing Finance Agency (FHFA). The conforming loan limit is $510,400 and the high-cost area limit is $765,600 – or 150 percent of $510,400 for a 1-unit dwelling in the continental U.S.