Mortgage

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A player after paying off all their mortgage

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 Animal Crossing: City Folk, after the player completes their mortgage, Tom Nook will give the player a flag. Paying off the mortgage in Animal Crossing: New Leaf unlocks theme challenges run by Lyle at the Happy Home Academy.

Required Amounts[edit]

Animal Crossing[edit]

  • 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[edit]

  • 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[edit]

  • 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[edit]

  • 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