What is the money limit in v16012? I want to renovate the house but the package charge is very high: $ 20k !!!
Around $14,000. It is possible to go slightly over this amount by purely finding stuff, upto $14,135 (if you find a Jade statue when your total is exactly at $13,995)
Silver ore does NOT count towards this total, which means you can transform 3 stone statues and a silver ore into a silver statue, for an additional $970. (-$30 for the stone statues, +$1,000 for the silver statue).
So, with a bit of grinding, you can fix the roof, but not renovate the house.
If you didn't exchange statues with NPCs yet (like selling a jade statue on the beach for $500, or getting the Silver statue from Ash), and didn't break any urns yet (for obtaining more statues), basically, only grinded but didn't progress your game any further than necessary, then you can get a bit further than $15,000, though I don't think $20,000 is obtainable.