At the beginning of the mortgage meltdown a couple of years ago, Congress enacted emergency legislation raising the limits on High Balance Conforming Loans. These loans are designated "conforming," meaning lower interest rates and typically a slightly easier transaction to get approved and closed when compared to Jumbo (or non-conforming) financing. The High Balance variety is only available in designated high cost areas, like the San Francisco Bay Area. Currently the "temporary" limit on these loans is $729,750. This means that if you put 20% down on a $900,000 home, you can get a conforming loan in the amount (1 comments)