FANDOM


113

A player in New Leaf pays off their mortgage.

Mortgages are the amount of bells that the player owes Tom Nook for constructing and expanding their house. There are several mortgages to pay off, each larger than the previous, which are owed after Tom Nook constructs an upgrade to the house. The upgrades can either expand an existing room, or add another room to the house.

After a certain mortgage is paid off, Tom Nook will insist the player expands the house more, and sets up another expansion and mortgage for the player. This begins to be payable the very next day. In New Leaf, Tom Nook is not quite as insistent, and allows the player to choose if they would like their house to be expanded.

Mortgages can be paid off by accessing the ABD, or speaking to the teller, located in the Post Office or Town Hall. If Pelly is present when the mortgage is paid off, she will applaud the player's efforts.

After completion of all the mortgages, there are sometimes rewards for players. In Animal Crossing, the player will have their statue erected in front of the train station. In Animal Forest e+, the player receives a private island. In City Folk, a customizable flagpole is installed on the side of the player's house.

Required Amounts

Animal Crossing

Paying Off

Mortage paid off in 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: 1,411,800 bells

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

City Folk

RUU 0014

A character has paid off all their mortgage in City Folk

  • Buying House: 18,400 bells
  • Expansion #1: 120,000 bells
  • Expansion #2: 248,000 bells
  • Upstairs: 368,000 bells
  • Basement: 598,000 bells
  • Total Cost: 1,353,800 bells

New Leaf

  • Down Payment: 10,000 bells
  • Buying House: 39,800 bells
  • First Expansion: 98,000 bells
  • Second Expansion: 198,000 bells
  • Upstairs: 298,000 bells
  • Subtotal: 643,800 bells

These other expansions can be done in any order after the upstairs room.

  • Upstairs Room 6*6: 498,000 bells
  • Upstairs Room 8*8: 598,000 bells
  • Left Room 4*4: 348,000 bells
  • Left Room 6*6: 498,000 bells
  • Left Room 8*8: 598,000 bells
  • Right Room 4*4: 348,000 bells
  • Right Room 6*6: 498,000 bells
  • Right Room 8*8: 598,000 bells
  • Back Room 4*4: 348,000 bells
  • Back Room 6*6: 498,000 bells
  • Back Room 8*8: 598,000 bells
  • Basement 4*4: 428,000 bells
  • Basement 6*6: 498,000 bells
  • Basement 8*8: 598,000 bells
  • Grand Total: 7,595,800 bells