A player after fully paying off their home loan inNew Horizons

Ahome loan, also known as adebt ormortgage, is an amount ofBells that is required to pay off to purchase or expand aplayer'shome. 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 toAnimal Crossing: New Leaf, a portion of the initial home loan is automatically paid off after the player completes theirpart-time job atTom Nook's store.

Appearances[edit]

In the first-generation games[edit]

In everyfirst-generationAnimal Crossing game, the home loan can be paid off by speaking toPelly orPhyllis at thepost office. Additionally, the player cannot deposit their Bells into theirsavings until their home loan is fully paid off. If the player speaks to Tom Nook after fully repaying their home loan, he will reward them by building amonument in their honor outside thetrain station.

InDoubutsu no Mori[edit]

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

Purchase	Cost	Size
Buying house	19,800Bells[nb 1]	4 × 4
First expansion	49,800Bells	6 × 6
Second expansion	498,000Bells	8 × 8
Total	567,600Bells

InDoubutsu no Mori+ andAnimal Crossing[edit]

Doubutsu no Mori+ andAnimal 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	19,800Bells[nb 1]	4 × 4
First main room expansion	148,000Bells	6 × 6
Second main room expansion	398,000Bells	8 × 8
Basement	49,800Bells	8 × 8
Second floor	798,000Bells	6 × 6
Total	1,413,600Bells

InDoubutsu no Mori e+[edit]

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

Purchase	Cost	Size
Buying house	19,800Bells[nb 1]	4 × 4
First main room expansion	125,000Bells	6 × 6
Second main room expansion	298,000Bells	8 × 8
Basement	249,000Bells	8 × 8
Second floor	598,000Bells	6 × 6
Private island	998,000Bells	8 × 8 cabana
Total	2,287,800Bells

InWild World[edit]

InAnimal Crossing: Wild World, the home loan can be paid off by speaking to Pelly or Phyllis attown hall. Unlike in all other games, there is no reward for fully paying off the player's house.

Purchase	Cost	Size
Buying house	19,800Bells[nb 2]	4 × 4
First main room expansion	120,000Bells	6 × 6
Second main room expansion	298,000Bells	8 × 8
Second floor	598,000Bells	6 × 6
Left room	728,000Bells	6 × 6
Right room	848,000Bells	6 × 6
Back room	948,000Bells	6 × 6
Total	3,559,800Bells

InCity Folk[edit]

InAnimal Crossing: City Folk, the home loan can be paid off from the ABD in town hall. Fully paying off the home loan results in aflag being placed in front of the player'shouse.

Purchase	Cost	Size
Buying house	19,800Bells[nb 2]	4 × 4
First main room expansion	120,000Bells	6 × 6
Second main room expansion	248,000Bells	8 × 8
Second floor	368,000Bells	6 × 6
Basement	598,000Bells	8 × 8
Total	1,353,800Bells

InNew Leaf[edit]

InAnimal Crossing: New Leaf, the player must first pay the down payment directly toTom Nook, allowing them to upgrade from a tent to a house. Once the player has a house, the home loan can be paid off from the ABD in the post office. Fully paying off the home loan unlocks theme challenges run byLyle at theHappy Home Academy.

Purchase	Cost	Size
Down payment	10,000Bells	4 x 4
Buying house	39,800Bells	4 × 4
First main room expansion	98,000Bells	6 × 6
Second main room expansion	198,000Bells	8 × 8
Second floor[nb 3]	298,000Bells	4 × 4
1st second story expansion	498,000Bells	6 × 6
2nd second story expansion	598,000Bells	8 × 8
Basement	428,000Bells	4 × 4
1st basement expansion	498,000Bells	6 × 6
2nd basement expansion	598,000Bells	8 × 8
Left room	348,000Bells	4 × 4
1st left room expansion	498,000Bells	6 × 6
2nd left room expansion	598,000Bells	8 × 8
Right room	348,000Bells	4 × 4
1st right room expansion	498,000Bells	6 × 6
2nd right room expansion	598,000Bells	8 × 8
Back room	348,000Bells	4 × 4
1st back room expansion	498,000Bells	6 × 6
2nd back room expansion	598,000Bells	8 × 8
Secret Storeroom[nb 4]	158,000Bells	N/A
Total	7,614,000Bells

• Total floorspace: 320m²

• Total wallspace: 142m

• Total furnishable tiles: 462

• Floorspace cost: 23,737 Bells per m²

• Tile cost: 16,441 Bells per tile

InNew Horizons[edit]

InAnimal Crossing: New Horizons, the home loan can be paid off from the ABD in theNook Stop inResident Services. Fully paying off the home loan allows the player to make any futureexterior renovations for free. The number of items the player canstore in their home increases each time the home is expanded, and after it is fully expanded, the player can pay additional up-front fees toTom Nook to further expand their storage.

Purchase	Cost	Size	Storage slots
Buying a tent	5,000Nook Miles[nb 5]	4 × 4	-
Buying a house	98,000Bells	6 × 6	80
Main room expansion	198,000Bells	8 × 8	120
Back room	348,000Bells	6 × 6	240
Left room	548,000Bells	6 × 6	320
Right room	758,000Bells	6 × 6	400
Second floor	1,248,000Bells	10 × 6	800
Basement	2,498,000Bells	10 × 6	1,600
First storage expansion[nb 6]	500,000Bells[nb 7]	-	2,400
Second storage expansion[nb 8]	700,000Bells[nb 7]	-	3,200
Third storage expansion[nb 8]	900,000Bells[nb 7]	-	4,000
Fourth storage expansion[nb 8]	1,200,000Bells[nb 7]	-	5,000
Fifth storage expansion[nb 9]	1,500,000Bells[nb 7]	-	7,000
Sixth storage expansion[nb 9]	1,800,000Bells[nb 7]	-	9,000
Total	12,296,000Bells

Gallery[edit]

• 

  Icon displayed when paying off the home loan inAnimal Crossing

• 

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

• 

  A player after paying off their home loan inCity Folk

• 

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

• 

  A player after paying off their home loan inNew Leaf

• 

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

• 

  A player after paying off their loan inPocket Camp

• 

  Tom Nook handing the player their loan inNew Horizons

Notes[edit]

Gameplay elements

Player Player Mayor 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 Fêng shui Home loan Letter Luck NookPhone Savings Activities Badges Bug catching Constellation Designing Fishing Mystery Island Tour Stalk Market Swimming Tour(Tortimer Island) Character AI Villager Starting villager Special character Catchphrase Compatibility Conversation Drama Friendship Hobbies Nickname Personality Scrapbook Memory Star sign Minigames NES games Doubutsu no Mori e+: Doubutsu-tachi to Asobou! Desert Island Escape Animal Crossing Puzzle League Currencies Bells Caps Leaf Tickets Leaf Tokens Hotel Tickets Medals MEOW Coupons Nook Miles Play Coins Poki Vouchers Vehicles Bus Camper RV Taxi Train Transportation Cheating Cheating device Glitch Gameplay modification Seeds Time travel Other Fourth Wall NookLink Reset Secret Code Transfer Multiplayer •Situations •Category