Home loan

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File:NHFinalLoanPaidOff.jpg
A player after fully paying off their home loan in New Horizons
This article is about the loan required to expand the player's house. For the house expansions themselves, see player house.

A home loan, also known as a debt or mortgage, is an amount of Bells that is required to pay off to purchase or expand a player's home. After the player pays off the loan once, their home will be expanded again and they will be given a new loan. Once the house is fully expanded, the player will usually get a reward for paying off the final loan.

In games prior to Animal Crossing: New Leaf, a portion of the initial home loan is automatically paid off after the player completes their part-time job at Tom Nook's store.

Appearances

In Doubutsu no Mori

In Doubutsu no Mori, Animal Crossing, and Doubutsu no Mori e+, the home loan can be paid off by speaking to Pelly or Phyllis at the post office. Additionally, in all three games, the player cannot deposit their Bells into their savings until their home loan is fully paid off, and fully paying off the home loan results in a statue of the player being placed outside the train station. The statue changes size and color based on the order each of the four players in the town pay it off: the first player to pay off their home loan receives a golden statue, the second player a silver statue, the third player a bronze statue, and the fourth player a jade statue.

Purchase Cost Size
Buying house  19,800 Bells 4 × 4
First expansion  49,800 Bells 6 × 6
Second expansion  498,000 Bells 8 × 8
Total  567,600 Bells

In Animal Crossing and Doubutsu no Mori e+

In Doubutsu no Mori e+, fully paying of the player's home loan gives them access to Animal Island.

Purchase Cost Size
Buying house  19,800 Bells 4 × 4
First main room expansion  148,000 Bells 6 × 6
Basement[nb 1] 48,000 Bells 8 × 8
Second main room expansion  398,000 Bells 8 × 8
Second floor  798,000 Bells 6 × 6
Total  1,410,800 Bells

In Wild World

In Animal Crossing: Wild World, the home loan can be paid off by speaking to Pelly or Phyllis at town hall.

Purchase Cost Size
Buying house  19,800 Bells 4 × 4
First main room expansion  120,000 Bells 6 × 6
Second main room expansion  298,000 Bells 8 × 8
Second floor  598,000 Bells 6 × 6
Left room  728,000 Bells 6 × 6
Right room  848,000 Bells 6 × 6
Back room  948,000 Bells 6 × 6
Total  3,559,800 Bells

In City Folk

In Animal Crossing: City Folk, the home loan can be paid off from the ABD in town hall. Fully paying off the home loan results in a flag being placed in front of the player's house.

Purchase Cost Size
Buying house  19,800 Bells 4 × 4
First main room expansion  120,000 Bells 6 × 6
Second main room expansion  248,000 Bells 8 × 8
Second floor  368,000 Bells 6 × 6
Basement  598,000 Bells 8 × 8
Total  1,353,800 Bells

In New Leaf

In Animal Crossing: New Leaf, the home loan can be paid off from the ABD in the post office. Fully paying off the home loan unlocks theme challenges run by Lyle at the Happy Home Academy.

Purchase Cost Size
Buying house  10,000 Bells 4 × 4
First main room expansion  98,000 Bells 6 × 6
Second main room expansion  198,000 Bells 8 × 8
Second floor[nb 2]  298,000 Bells 4 × 4
1st second story expansion  498,000 Bells 6 × 6
2nd second story expansion  598,000 Bells 8 × 8
Basement  428,000 Bells 4 × 4
1st basement expansion  498,000 Bells 6 × 6
2nd basement expansion  598,000 Bells 8 × 8
Left room  348,000 Bells 4 × 4
1st left room expansion  498,000 Bells 6 × 6
2nd left room expansion  598,000 Bells 8 × 8
Right room  348,000 Bells 4 × 4
1st right room expansion  498,000 Bells 6 × 6
2nd right room expansion  598,000 Bells 8 × 8
Back room  348,000 Bells 4 × 4
1st back room expansion  498,000 Bells 6 × 6
2nd back room expansion  598,000 Bells 8 × 8
Secret Storeroom[nb 3]  158,000 Bells N/A
Total  7,614,000 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

In New Horizons

In Animal Crossing: New Horizons, the home loan can be paid off from the ABD in the Nook Stop in Resident Services. In Animal Crossing: New Horizons, fully paying off the home loan allows the player to make any future exterior renovations for free.

Purchase Cost Size
Buying a tent  5,000 Nook Miles /  49,800 Bells [nb 4] 4 × 4
Buying a house  98,000 Bells 6 × 6
Main room 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 12 × 6
Basement  2,498,000 Bells 12 × 6
First storage expansion[nb 5]  500,000 Bells N/A
Total  6,196,000 Bells

Notes

  1. ↑ Comes after the second main room expansion in Doubutsu no Mori+
  2. ↑ After the second story is constructed, the player may choose to expand existing rooms or construct additional rooms, in any order.
  3. ↑ Added in Welcome amiibo
  4. ↑ The Bell cost is nominal; regardless of how the player responds when informed of the cost, Tom Nook will inform them that because the player does not have any Bells yet, they will be enrolled to pay off the initial fees using Nook Miles.
  5. ↑ Added in 1.6.0

Gallery

  • Icon displayed when paying off the home loan in Animal Crossing

  • A player's statue in Animal Crossing received after paying off all home loans

  • CFLoanPaidOff.png

    A player after paying off their home loan in City Folk

  • A player talking to Tom Nook after paying off their home loan in City Folk

  • A player after paying off their home loan in New Leaf

  • A player talking to Tom Nook after fully paying off their loan in New Leaf

  • A player after paying off their loan in Pocket Camp

  • NHItemizedBill.gif

    Tom Nook handing the player their loan in New Horizons

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