New Leaf House Expansions & Loans
Every payment Tom Nook asks for, from the 10,000-Bell down payment on your tent to the last 8×8 room, and how much the whole house costs: 7,595,800 Bells, or 7,753,800 with the secret storeroom.
- Payments
- 19
- Total
- 7,595,800 Bells
- Biggest loan
- 598,000 Bells
- Rooms
- 6 (8×8 each)
- Interest
- None
Every loan, room by room
| Room | Stage | Cost | Size | Running total |
|---|---|---|---|---|
| Main room | Down paymentPaid straight to Tom Nook, not as a loan. | 10,000 | Swap the tent for a 4×4 house | 10,000 |
| Main room | HousePaying this off also brings Tortimer to the dock. | 39,800 | 4×4 main room | 49,800 |
| Main room | Main room, first expansion | 98,000 | 6×6 | 147,800 |
| Main room | Main room, second expansion | 198,000 | 8×8 | 345,800 |
| Second floor | Second floorUnlocks the side, back and basement rooms. | 298,000 | 4×4 | 643,800 |
| Second floor | Second floor, first expansion | 498,000 | 6×6 | 1,141,800 |
| Second floor | Second floor, second expansion | 598,000 | 8×8 | 1,739,800 |
| Basement | Basement | 428,000 | 4×4 | 2,167,800 |
| Basement | Basement, first expansion | 498,000 | 6×6 | 2,665,800 |
| Basement | Basement, second expansion | 598,000 | 8×8 | 3,263,800 |
| Left room | Left room | 348,000 | 4×4 | 3,611,800 |
| Left room | Left room, first expansion | 498,000 | 6×6 | 4,109,800 |
| Left room | Left room, second expansion | 598,000 | 8×8 | 4,707,800 |
| Right room | Right room | 348,000 | 4×4 | 5,055,800 |
| Right room | Right room, first expansion | 498,000 | 6×6 | 5,553,800 |
| Right room | Right room, second expansion | 598,000 | 8×8 | 6,151,800 |
| Back room | Back room | 348,000 | 4×4 | 6,499,800 |
| Back room | Back room, first expansion | 498,000 | 6×6 | 6,997,800 |
| Back room | Back room, second expansion | 598,000 | 8×8 | 7,595,800 |
After the second floor you can add the basement and the left, right and back rooms in any order; the table lists them by room. The Welcome amiibo secret storeroom costs another 158,000 Bells.
Cost per room
| Room | Stages | Cost |
|---|---|---|
| Main room | 4 | 345,800 |
| Second floor | 3 | 1,394,000 |
| Basement | 3 | 1,524,000 |
| Left room | 3 | 1,444,000 |
| Right room | 3 | 1,444,000 |
| Back room | 3 | 1,444,000 |
How paying off works
- Pay Tom Nook the 10,000-Bell down payment and your tent becomes a house the next day.
- Pay off each loan at the cash machine (ABD) in the post office. There is no interest and no deadline.
- When a loan reaches zero, talk to Tom Nook at Nook’s Homes and choose the next room. After the second floor you can add rooms in any order.
- Builders work overnight; the new room is ready the next morning.
Good to know
- Each player in a town has their own house and loan, unlike Wild World.
- Tom Nook also sells new roofs, walls, doors, fences, mailboxes and paving; the stock changes daily.
- Lyle’s Happy Home Academy scores the inside of your house every day, and paying off every loan unlocks his theme challenges.
- The Welcome amiibo update adds the secret storeroom, extra storage you can reach from any room.
FAQ
How much does the whole house cost in New Leaf?
7,595,800 Bells across 19 payments, or 7,753,800 with the Welcome amiibo secret storeroom.
What happens when you pay off your first loan?
Tortimer turns up and invites you to his island; Kapp’n’s boat runs from the next day.
Is there a reward for paying everything off?
Tom Nook congratulates you, and Lyle’s Happy Home Academy theme challenges unlock.
Sources & picture credits
- Home loan, Nookipedia
- Nook’s Homes (New Leaf), Animal Crossing Wiki
- Happy Home Academy, Animal Crossing Wiki
Guide text is original retrogameindex writing, checked against Nookipedia and the Animal Crossing Wiki. Icons, renders and screenshots © Nintendo; local copies archived from Animal Crossing Wiki file pages (listed in the picture gallery).