  Ongoing accretion onto galactic disks has been recently theorized to progress
via the unstable cooling of the baryonic halo into condensed clouds. These
clouds have been identified as analogous to the High-Velocity Clouds (HVCs)
observed in HI in our Galaxy. Here we compare the distribution of HVCs observed
around our own Galaxy and extra-planar gas around the Andromeda galaxy to these
possible HVC analogs in a simulation of galaxy formation that naturally
generates these condensed clouds. We find a very good correspondence between
these observations and the simulation, in terms of number, angular size,
velocity distribution, overall flux and flux distribution of the clouds. We
show that condensed cloud accretion only accounts for ~ 0.2 M_solar / year of
the current overall Galactic accretion in the simulations. We also find that
the simulated halo clouds accelerate and become more massive as they fall
toward the disk. The parameter space of the simulated clouds is consistent with
all of the observed HVC complexes that have distance constraints, except the
Magellanic Stream which is known to have a different origin. We also find that
nearly half of these simulated halo clouds would be indistinguishable from
lower-velocity gas and that this effect is strongest further from the disk of
the galaxy, thus indicating a possible missing population of HVCs. These
results indicate that the majority of HVCs are consistent with being infalling,
condensed clouds that are a remnant of Galaxy formation.
