Baseline, high-balance, and jumbo
Most U.S. counties sit at the national baseline FHFA sets from the house-price index. A loan at or under that baseline is conforming. In a high-cost county the limit is higher, up to 150% of the baseline on the mainland. A loan above the local baseline and at or under the county limit is still agency-eligible; it is called high-balance conforming and usually carries a loan-level price adjustment. Above the county limit the loan is jumbo, and Fannie Mae and Freddie Mac may not buy it. In Alaska, Hawaii, Guam and the U.S. Virgin Islands the local baseline is already 150% of the national figure, so a loan under that higher floor is ordinary conforming, not high-balance.
Putting more money down can pull an expensive house under the same county cap, because the cap applies to the financed amount. The page will show how much extra cash would do that, and the largest purchase price that still conforms at the down payment you typed.