High Balance Conforming A High Balance Conforming In addition, Fannie Mae and Freddie Mac have instituted high balance loans in high-cost areas. These limits are also set annually. The maximum loan size is depicted below: UnitsHigh Balance Loan Limit1$625,5002$800,7753$967,9504$1,202,925 Source: https://www.fanniemae.com/singlefamily/loan-limits