Home loan

A mortgage, also known as a debt, is a sum of money owed to another person, almost always being Tom Nook. In addition to the initial house, each home expansion has a mortgage associated with it. After the mortgage is paid off, the player can expand their house. After the player pays off the mortgage once, the price goes up. Tom Nook will eventually say he can not expand any more. In the original game, after the player completes their mortage, they will have a statue put up in front of the train station. In, after the player completes their mortgage, he/she will give the player a flag.

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

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