Home loan

File:Payed Off Home Loan.jpg

A player after paying off their home loan in Animal Crossing: New Leaf.

A mortgage, also known as a debt or loan, is an amount of bells that is required to pay off in order to buy and expand a player's home. After the player pays off the mortgage once, the price will increase. Once the house is fully expanded and paid off, the player will usually get a reward. In Animal Crossing, after the player pays off their mortage, they will have a statue put up of them in front of the train station. In Animal Crossing: City Folk, the player will receive a flag in front of their house that custom designs can be placed on. Paying off the mortgage in Animal Crossing: New Leaf unlocks theme challenges run by Lyle at the Happy Home Academy.

Required Amounts

Animal Crossing

• Buying House: 19,800 bells
• First Expansion: 148,000 bells
• Basement: 48,000 bells
• Second Expansion: 398,000 bells
• Second Floor: 798,000 bells
• Total Cost: 1,410,800 Bells

Animal Crossing: Wild World

• Buying House: 19,800 bells
• First House Expansion: 120,000 bells
• Second House Expansion: 298,000 bells
• Upstairs Room: 598,000 bells
• Left Room: 728,000 bells
• Right Room: 848,000 bells
• Back Room: 948,000 bells
• Total Cost: 3,559,800 Bells.

Animal Crossing: City Folk

• Buying House: 19,800 bells
• First House Expansion: 120,000 bells
• Second House Expansion: 248,000 bells
• Second Floor: 368,000 bells
• Basement: 598,000 bells
• Total Cost: 1,353,800 bells

Animal Crossing: New Leaf

• Buying House: 10,000 bells

• First Expansion: 98,000 bells

• Second Expansion: 198,000 bells

• Second Floor: 298,000 bells

After the second story is constructed, the player may choose to expand existing rooms or construct additional rooms, in any order:

• 1st Second Story Expansion: 498,000 bells (upgraded to 6 by 6 squares)

• 2nd Second Story Expansion: 598,000 bells (upgraded to 8 by 8 squares)

• Basement: 428,000 bells (4 by 4 squares)

• 1st Basement Expansion: 498,000 bells (upgraded to 6 by 6 squares)

• 2nd Basement Expansion: 598,000 bells (upgraded to 8 by 8 squares)

• Ground Floor Left Room: 348,000 bells (4 by 4 squares)

• 1st Ground Floor Left Room Expansion: 498,000 bells (upgraded to 6 by 6 squares)

• 2nd Ground Floor Left Room Expansion: 598,000 bells (upgraded to 8 by 8 squares)

• Ground Floor Right Room: 348,000 bells (4 by 4 squares)

• 1st Ground Floor Right Room Expansion: 498,000 bells (upgraded to 6 by 6 squares)

• 2nd Ground Floor Right Room Expansion: 598,000 bells (upgraded to 8 by 8 squares)

• Ground Floor Back Room: 348,000 bells (4 by 4 squares)

• 1st Ground Floor Back Room Expansion: 498,000 bells (upgraded to 6 by 6 squares)

• 2nd Ground Floor Back Room Expansion: 598,000 bells (upgraded to 8 by 8 squares)

• Total Cost: 7,595,800 Bells

• Total Floorspace: 320m²

• Total Wallspace: 142m

• Total Furnishable Tiles: 462

• Floorspace Cost: 23,737 Bells per m²

• Tile Cost: 16,441 Bells per tile

Animal Crossing: New Horizons

Purchase	Mortgage Cost	Size
Buying a Tent	5,000 Nook Miles / 49,800 Bells	4 × 4
Buying a House	98,000 Bells	6 × 6
First House Expansion	198,000 Bells	8 × 8
Back room	348,000 Bells	6 × 6
Left room	548,000 Bells	6 × 6
Right room	758,000 Bells	6 × 6
Second floor	1,248,000 Bells	??

Gallery

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  A player talking to Tom Nook after paying off their home loan in Animal Crossing: City Folk.

• Mortgage gone.png

  A player after paying off their home loan in Animal Crossing: City Folk.

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  A player talking to Tom Nook after completely paying off their loan in Animal Crossing: New Leaf.