Home loan

This article is about the loan required to expand the player's house. For the house expansions themselves, see Player house.

A player after fully paying off their home loan in New Horizons

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 the first-generation games

In every first-generation Animal Crossing game, the home loan can be paid off by speaking to Pelly or Phyllis at the post office. Additionally, 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.

In Doubutsu no Mori

In Doubutsu no Mori, the player's house can only have one floor.

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 Doubutsu no Mori+ and Animal Crossing

Doubutsu no Mori+ and Animal Crossing introduce the ability to add a second floor and basement to the player's house. After expanding the first floor once, the player can choose between the second first-floor expansion and a basement. The next expansion built is the one not chosen the previous time.

Purchase	Cost	Size
Buying house	19,800 Bells	4 × 4
First main room expansion	148,000 Bells	6 × 6
Second main room expansion	398,000 Bells	8 × 8
Basement	49,800 Bells	8 × 8
Second floor	798,000 Bells	6 × 6
Total	1,413,600 Bells

In Doubutsu no Mori e+

In Doubutsu no Mori e+, fully paying off the player's home loan gives them access to Animal Island. Each player has their own island, with the option to allow other players to visit theirs.

Purchase	Cost	Size
Buying house	19,800 Bells	4 × 4
First main room expansion	125,000 Bells	6 × 6
Second main room expansion	298,000 Bells	8 × 8
Basement	249,000 Bells	8 × 8
Second floor	598,000 Bells	6 × 6
Private island	998,000 Bells	8 × 8 cabana
Total	2,287,800 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. Unlike in all other games, there is no reward for fully paying off 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	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	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	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. Fully paying off the home loan allows the player to make any future exterior renovations for free. The number of items the player can store in their home increases each time the home is expanded, and after it is fully expanded, the player can pay additional up-front fees to Tom Nook to further expand their storage.

Purchase	Cost	Size	Storage slots
Buying a tent	5,000 Nook Miles	4 × 4	-
Buying a house	98,000 Bells	6 × 6	80
Main room expansion	198,000 Bells	8 × 8	120
Back room	348,000 Bells	6 × 6	240
Left room	548,000 Bells	6 × 6	320
Right room	758,000 Bells	6 × 6	400
Second floor	1,248,000 Bells	10 × 6	800
Basement	2,498,000 Bells	10 × 6	1,600
First storage expansion	500,000 Bells	-	2,400
Second storage expansion	700,000 Bells	-	3,200
Third storage expansion	900,000 Bells	-	4,000
Fourth storage expansion	1,200,000 Bells	-	5,000
Total	8,996,000 Bells

Gallery

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  Icon displayed when paying off the home loan in Animal Crossing

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

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  A player after paying off their home loan in City Folk

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

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  A player after paying off their home loan in New Leaf

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

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  A player after paying off their loan in Pocket Camp

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  Tom Nook handing the player their loan in New Horizons

Notes

Gameplay elements

Player Player Mayor approval rating Catalog Catch quotes Hairstyle Passport Pockets Photo Reaction Reputation Resident Representative Skin tone Tool Town Pass Card Town Town/island Hemisphere Amenities Animal tracks Rebuild the town Acres Objects Public works projects Town fund Town initiative Town ordinance Lost and found Group Life House Happy Home Academy Balloon Event Fashion check Fêng shui Home loan Letter Luck Moving NookPhone Savings Visit Activities Badges Bug catching Constellation Designing Fishing Mystery Island Tour Part-time job Stalk Market Swimming Tour (Tortimer Island) Character AI Villager Starting villager Special character Catchphrase Compatibility Conversation Episode Friendship Hobbies Scrapbook Memory Nickname Personality Petition Sickness Star sign Quests Ball Favor Hide-and-seek Lost item Time Capsule Minigames NES games Doubutsu no Mori e+: Doubutsu-tachi to Asobou! Desert Island Escape Animal Crossing Puzzle League Currencies Bells Caps Leaf Tickets Medals MEOW Coupons Nook Miles Play Coins Poki Vouchers Vehicles Bus Camper RV Taxi Train Connectivity Multiplayer Dream DS Suitcase Friend Code Happy Home Network Design Contest Nintendo Network Nintendo Wi-Fi Connection NookLink Tag Mode Transfer WiiConnect24 Cheating Cheating device Glitch Gameplay modification Seeds Time travel Fourth Wall • Reset • Secret code • Category