Home loan
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[edit]
In the first-generation games[edit]
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[edit]
In Doubutsu no Mori, the player's house can only have one floor.
| Purchase | Cost | Size |
|---|---|---|
| Buying house |  19,800 Bells[nb 1] |
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[edit]
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[nb 1] |
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+[edit]
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[nb 1] |
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[edit]
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[nb 2] |
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[edit]
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[nb 2] |
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[edit]
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 3] | 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 4] | 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[edit]
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[nb 5] |
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[nb 6] | 500,000 Bells[nb 7] |
- | 2,400 |
| Second storage expansion[nb 8] | 700,000 Bells[nb 7] |
- | 3,200 |
| Third storage expansion[nb 8] | 900,000 Bells[nb 7] |
- | 4,000 |
| Fourth storage expansion[nb 8] | 1,200,000 Bells[nb 7] |
- | 5,000 |
| Total | 8,996,000 Bells |
Gallery[edit]
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
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
Tom Nook handing the player their loan in New Horizons
Notes[edit]
- ↑ 1.0 1.1 1.2 The player gives Tom Nook 1,000 Bells upon choosing their house, and completing the part-time job pays off 1,400 Bells of the debt, leaving the amount to be paid off at 17,400 Bells.
- ↑ 2.0 2.1 Completing the part-time job for Tom Nook pays off 1,400 Bells of the debt, leaving the amount to be paid off at 18,400 Bells.
- ↑ After the second story is constructed, the player may choose to expand existing rooms or construct additional rooms, in any order.
- ↑ Added in Welcome amiibo
- ↑ The cost of 49,800 Bells 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.
- ↑ Added in 1.6.0
- ↑ 7.0 7.1 7.2 7.3 Paid in whole directly to Tom Nook.
- ↑ 8.0 8.1 8.2 Added in 2.0
