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window.location.host.indexOf("fm") !== -1) { const searchBox = document.querySelector('atomic-search-interface#search-interface-search-bar atomic-search-box'); const engine = searchInterface.engine; var currentQuery = ""; function handleStateUpdate() { const state = engine.state; if (engine.state.query.q != "" && currentQuery != engine.state.query.q) { currentQuery = engine.state.query.q; var redirectUrl = searchBox.redirectionUrl + "&q=" + engine.state.query.q; searchBox.redirectionUrl = redirectUrl; } } const unsubscribe = engine.subscribe(handleStateUpdate); } } } // Initialize the first search initializeSearchInterface("search-interface-search-bar", 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc', 'fanniemae9glu2r77'); var accessToken = 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc'; var fieldName = "@clickableuri"; var fieldValue = function () {return location.href } setTimeout(function(){ coveoua("init", accessToken, "https://fanniemae9glu2r77.analytics.org.coveo.com/rest/ua"); coveoua("send", "view", { contentIdKey: fieldName, contentIdValue: fieldValue(), }); }, 3000); }); + + // Get the toggle button and the search form block document.addEventListener('DOMContentLoaded', function () { var toggleButton = document.querySelector('.fm-toggle-search'); var searchFormBlock = document.querySelector('.fm-search__form-block--header'); // Add click event listener to the toggle button toggleButton.addEventListener('click', function () { searchFormBlock.classList.toggle('is-open'); }); }); atomic-search-interface#search-interface-search-bar { position: absolute; right: 1%; top: 0; padding: 8px; background: #F1F1EF; border-radius: 55px; width: 98%; z-index: 999; transform: translateY(-60px); } @media only screen and (min-width: 768px) { atomic-search-interface#search-interface-search-bar { width: 430px; right: 16px; min-width: 430px; transform: unset; } } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box { width: auto; max-width: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper) { border: 1px solid rgba(12, 12, 12, 0.3); border-radius: 24px; background: #fff; padding: 4px 10px; align-items: center; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper):focus-within { box-shadow: unset; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input) { color: #121212; font-family: 'Source Sans Pro', sans-serif; font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box { width: auto; max-width: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper) { border: 1px solid rgba(12, 12, 12, 0.3); border-radius: 24px; background: #fff; padding: 4px 10px; align-items: center; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper):focus-within { box-shadow: unset; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input) { color: #121212; font-family: 'Source Sans Pro', sans-serif; font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } .fm-search__form-block--header.is-open { transform: inherit; opacity: 1; display: block; } .fm-search__form-block--header { transform: translateY(-20px); transition: all 0.4s ease-in-out; opacity: 0; z-index: -1; } .fm-search__form-block--header.container { position: relative; padding: 0; max-width: 100%; } atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(clear-icon):hover { color: #1c6fa3; } atomic-search-interface#search-interface-search-bar.guide atomic-search-box::part(clear-button) { margin-top: -8px; margin-right: 10px; } + + + + []() + + - [Home](/) + - [Delivering](/delivering) + - [Uniform Mortgage Data Program](/delivering/uniform-mortgage-data-program) + - Uniform Appraisal Dataset + + Delivering + + # Uniform Appraisal Dataset + + Improving the quality and consistency of appraisal data + + Fannie Mae and Freddie Mac (the GSEs) have worked on the UAD redesign since 2018, leveraging extensive stakeholder input to update the appraisal dataset, align it with current mortgage industry data standards (MISMO® v3.6), and replace the GSE appraisal forms with a single data-driven, flexible, and dynamic appraisal report for any residential property type. To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources below. + + **Coming soon: accessory dwelling unit (ADU) and manufactured housing (MH) financing opportunities for UAD 3.6 users** + +Meet the growing demand for flexible housing options with expanded MH and ADU policy updates. These updates will be available in Desktop Underwriter® on Mar. 31, 2026 – prepare now for your transition to the new UAD. + +[Check out the update](/media/document/pdf/announcement-sel-2025-10-selling-guide-updates) + + ![image](/sites/g/files/koqyhd181/files/icons/2025-04/3%20people%20talking.svg) + + [Announcements](#uad-announcements) + + ![image](/sites/g/files/koqyhd181/files/icons/2025-04/plug.svg) + + [Get Started with UAD 3.6](#uad-36-resources) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/fact-sheet.svg) + + [UAD 3.6 Documentation](#uad-documentation) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/technology.svg) + + [UAD 2.6 and Resources](#uad-26-resources) + + #### Lender Preparedness Webinar Recording + + []() × + + > *[Iframe content not accessible: https://fanniemae.qumucloud.com/view/XircO1Beu7xameqeTvQnay?&autoplay=0]* + + ![image](https://fanniemae.qumucloud.com/kulu/XircO1Beu7xameqeTvQnay/thumbnail) + + ![image](/sites/g/files/koqyhd181/files/2021-05/UMDP%20logo%20May%202021.png) + + + + ## []()Announcements + + ### + + Available Now in Broad Production: UAD 3.6 and Forms Redesign: Jan. 26, 2026 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign Broad Production Period begins today, January 26, 2026. All lenders are now permitted to submit UAD 3.6 appraisal reports to the Uniform Collateral Data Portal® (UCDP®). + +Submission of UAD 3.6 appraisal reports is not yet mandatory; however, lenders that have updated their systems and processes to support UAD 3.6 appraisal reports – including working with an[appraisal software provider](/integrated-vendor-list) whose software has been verified for UAD 3.6 – are encouraged to begin integrating appraisal reports that use UAD 3.6 into their workflow. Gradually integrating UAD 3.6 appraisal reports will help lenders prepare for a full transition by November 2, 2026 mandate, when all appraisal reports on loans sold to Freddie Mac or Fannie Mae must use UAD 3.6. + +To learn more about the UAD 3.6 and Forms Redesign, visit the[Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and UAD webpages. If you have questions, please contact your GSE representative. + + UAD 3.6 and Forms Redesign: Inspection and Reporting Tips: Oct. 21, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team created the [UAD Inspection and Reporting Tips](/media/document/pdf/uad-36-inspection-and-reporting-tips) document to highlight notable differences in information collected between the legacy forms (UAD 2.6) and the redesigned URAR (UAD 3.6). + +Appraisers can use the Inspection and Reporting Tips document as a job aid when completing appraisal assignments using UAD 3.6. It focuses on new information requirements when physically inspecting the property or when researching property information and completing the URAR. + +Visit the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and webpages to view all UAD resources. + + UAD 3.6 Compliance Rules Update - URAR, Restricted Appraisal Update Report, and Completion Report: Sept. 16, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team has updated the UAD Compliance Rules for the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and Completion Report. + +**Summary of Changes** + +- **Severity Level Changes:**Effective January 26, 2026, the severity level for certain rules applicable to the Restricted Appraisal Update Report and Completion Report will be updated. For details, see [Appendix H-2](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) and [Appendix H-3](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) on the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) UAD webpages. With the implementation of UAD 3.6, Restricted Appraisal Update Reports and Completion Reports must be submitted to the Uniform Collateral Data Portal® (UCDP®) as referenced in Fannie Mae’s [*Selling Guide* Supplement: UAD 3.6 Policy](/media/document/pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy) and Freddie Mac’s*Single-Family Seller/Servicer Guide* (Guide)[Bulletin 2025-7](https://guide.freddiemac.com/app/guide/bulletin/2025-7). +- **URAR:**Note update to one rule – see [Appendix H-1](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar). +If you have questions, please contact your GSE account representative. + + Available Now in Limited Production: UAD 3.6 and Forms Redesign: Sept. 8, 2025 + + After over five years of preparation, the Limited Production Period for the Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign is finally here! This period innovates the appraisal space with improved data standardization, a simplified review process, and dynamic reporting. Fannie Mae and Freddie Mac (the GSEs) have completed their system and policy updates and are ready to work with lenders and appraisal software vendors to implement UAD 3.6. + +Participating in the Limited Production Period offers lenders an opportunity to experience the new UAD and redesigned Uniform Residential Appraisal Report (URAR) in their production environment with hands-on, high-touch support from the GSEs. + +Lenders, appraisal software vendors, and their partners may have different timelines for adopting the new UAD and redesigned URAR. As industry participants become ready, the GSEs will continue to work with them to implement new technologies and processes, supporting a smooth transition to these transformational appraisal enhancements. + +Even if lenders aren’t planning to participate in the Limited Production Period, they’re encouraged to start planning and preparing for their UAD transition now.***Lenders should take these steps:*** + +- Visit the[Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad)and[Fannie Mae](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) UAD webpages to access valuable resources. +- Review the [UAD timeline](/media/document/pdf/uad-and-forms-redesign-timeline). +- Access the [UAD Lender Readiness Kit](/media/document/pdf/uad-lender-readiness-kit)and [Limited Production Lender Readiness Questionnaire](/media/document/pdf/uad-lender-readiness-questionnaire) and use them as a roadmap for planning. +- Take the [industry training](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html). + + [View all announcements](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset/uniform-appraisal-dataset-announcements) + + ## []()Get started with UAD 3.6 + + ### + + ##### UAD 3.6 Selling Guide Supplement + + Access UAD 3.6-specific policy. UAD 2.6 users should refer to the Fannie Mae Selling Guide. + + [Learn more **](/media/42571/display) + + ##### UAD and Forms Redesign Timeline + + Detailed timeline outlines specific dates for each implementation phase to help the industry prepare. + + [Learn More **](https://singlefamily.fanniemae.com/media/25391/display) + + ##### Industry Training for the New UAD and URAR + + New URAR course educates industry on the dynamic appraisal reports and updated dataset. + + [Learn More **](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html) + + ##### Lender Readiness Kit + + This document helps lenders prepare for and adopt the updated UAD and retire the existing appraisal forms. It offers timelines and roadmaps to keep lenders on track, and additional resources to learn more along the way. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-kit) + + ##### Functioning without Form Numbers: Mapping Legacy Forms to the Redesigned URAR + + Helps the transition to the new report by providing clarification on how existing appraisal form numbers map to the URAR’s new dynamic structure and discrete and repeatable data. + + [Learm More **](https://singlefamily.fanniemae.com/media/document/pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type) + + ##### Frequently Asked Questions + + Provides answers to common questions about the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/23286/display) + + ##### Limited Production Period Overview + + Guidelines to aid lenders in preparing for the Limited Production Period of the UAD 3.6 and Forms Redesign Initiative. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-limited-production-readiness-overview) + + ##### Limited Production Period Lender Readiness Questionnaire + + Must be completed by lenders who are seeking approval to participate in the UAD 3.6 and Forms Redesign Limited Production Period. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-questionnaire) + + ##### Combined Sample Scenarios + + Appendix D sample scenarios, combined into a single PDF to make it easier to access and review them. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/sample-scenario-pdf) + + ##### Condition and Quality Rating Definitions PDF + + PDF of previously published definitions of Condition and Quality Ratings from Appendix F-1: URAR Reference Guide. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/condition-and-quality-rating-definitions-pdf) + + ##### Partner Playbook + + Designed to help industry partners prepare for the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/34686/display) + + ##### Servicer Preparedness + + Prepares servicers for the transition for UAD 3.6. + + [Learn More **](/media/document/pdf/uniform-appraisal-dataset-faqs-servicers) + + ##### Inspection and Reporting Tips + + Appraisers, education providers, and software vendors should review this document to understand key differences between UAD 2.6 and UAD 3.6 + + [Learn more **](/media/43946/display) + + + + ** + + ** + + /* Carousel Content Title */ .carousel--controls-visible .carousel--card__title{margin-left: 2.5%; margin-bottom: 32px!important;} @media(min-width: 800px){ .carousel--controls-visible .carousel--card__title{margin-left: 54px;} } /** START - Carousel Content **/ .carousel--controls-visible .carousel__wrapper{display: flex; flex-direction: column; padding-bottom: 10px;} @media(min-width: 1120px){ .carousel--controls-visible .carousel__wrapper{padding-bottom: 40px;} } .carousel--controls-visible .carousel__wrapper .slick-list, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide > div:first-child, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item .card{height: 100%;} .carousel--controls-visible .carousel__wrapper .slick-list{display: grid;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__description{margin-bottom: 35px;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__link-wrapper{bottom: 0; position: relative; margin-top: auto;} /** END - Carousel Content **/ /* Carousel Content Nav Dots */ .carousel--controls-visible .carousel__wrapper .carousel-indicators .slick-dots{padding-left: 0;} /* START - Carousel Link */ .carousel--controls-visible .carousel__link-wrapper{margin-left: 2.5%; margin-top: 80px;} @media(min-width: 800px){ .carousel--controls-visible .carousel__link-wrapper{margin-left: 54px; margin-top: 80px;} } @media(min-width: 1120px){ .carousel--controls-visible .carousel__link-wrapper{margin-top: 40px;} } .carousel--controls-visible .carousel__link-wrapper .carousel__link{margin-left: 0;} /* END - Carousel Link */ /* Carousel White Card with Border */ .carousel--white .card{width: calc(100% - 2px);} @media(min-width: 768px){ .carousel--white .card{width: auto;} } ## []()**UAD 3.6 Documentation** + +The following UAD 3.6 resources provide the actionable documentation needed to translate the data entered on the report into the format required for submission via the UCDP. See below for legacy UAD resources. + + ### + + - Uniform Residential Appraisal Report + - Restricted Appraisal Update Report + - Completion Report + [**Appendix A-1: URAR Delivery Specification**](/media/document/xlsx/appendix-1-urar-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-1: URAR Implementation Guide**](/media/document/zip/appendix-b-1-urar-implementation-guide) + + This zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids and provide guidance for creating the user interface. + + [**Appendix C-1: URAR Layout**](/media/document/zip/appendix-c-1-urar-layout) + + This zip file contains the URAR with Report Field IDs document and the URAR without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality. + + [**Appendix D-1: URAR Sample Scenarios and XML Files**](/media/document/zip/appendix-d-1-urar-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-1: URAR Reference Guide**](/media/document/zip/appendix-f-1-urar-reference-guide) + + This zip file contains the URAR Reference Guide and its supplement. The Reference Guide provides guidance on how to enter information and how the data will be displayed in the URAR. The supplement summarizes information about the Comparable Grids. + + [**Appendix G-1: Redesign to Legacy UAD Cross Reference Guide**](/media/document/xlsx/appendix-g-1-redesign-legacy-uad-cross-reference-guide) + + This document contains the data points, enumerations, and xPaths of the redesigned UAD mapped to existing data elements in the Legacy UAD dataset. + + [**Appendix H-1: UAD Compliance Rules-URAR**](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Delivery Specification. These rules verify data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-2: Restricted Appraisal Update Report Delivery Specification**](/media/document/xlsx/appendix-2-restricted-appraisal-update-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-2: Restricted Appraisal Update Report Implementation Guide**](/media/document/pdf/appendix-b-2-restricted-appraisal-update-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-2: Restricted Appraisal Update Report Layout**](/media/document/zip/appendix-c-2-restricted-appraisal-update-report-layout) + + This zip file contains the Restricted Appraisal Update Report with Report Field IDs document and the Restricted Appraisal Update Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Restricted Appraisal Update Report, regardless of conditionality. + + [**Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File**](/media/document/zip/appendix-d-2-restricted-appraisal-update-report-sample-scenario-and-xml-file) + + This zip file contains an example scenario, accompanying XML, and a document that summarizes the scenario, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-2: Restricted Appraisal Update Report Reference Guide**](/media/document/pdf/appendix-f-2-restricted-appraisal-update-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report. + + [**Appendix H-2: UAD Compliance Rules – Restricted Appraisal Update Report**](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Restricted Appraisal Update Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-3: Completion Report Delivery Specification**](/media/document/xlsx/appendix-3-completion-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-3: Completion Report Implementation Guide**](/media/document/pdf/appendix-b-3-completion-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-3: Completion Report Layout**](/media/document/zip/appendix-c-3-completion-report-layout) + + This zip file contains the Completion Report with Report Field IDs document and the Completion Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Completion Report, regardless of conditionality. + + [**Appendix D-3: Completion Report Sample Scenarios and XML Files**](/media/document/zip/appendix-d-3-completion-report-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-3: Completion Report Reference Guide**](/media/document/pdf/appendix-f-3-completion-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Completion Report. + + [**Appendix H-3: UAD Compliance Rules – Completion Report**](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Completion Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + + + [**UAD 3.6 Subschema Zip File**](/media/document/zip/uad-36-schema-zip-file) + + The UAD documentation leverages the MISMO Version 3.6. The GSEs have created a Subschema that contains only the data elements needed to support the UAD 3.6 specification and includes additional enforcement. + + + + ## Now Showing: UAD - The Movie + + Learn more about how this multi-year project will enhance appraisal data quality and consistency. + + [Watch Video](https://youtu.be/A-7GhWtLLBo) + + [See Infographic](/media/document/pdf/uad-infographic) + + ![image](/sites/g/files/koqyhd181/files/styles/scale_2000/public/2021-01/uad_promo_video_thumbnail.png?itok=wv0ADQkJ) + + ## []()**UAD 2.6 and Resources** + + ##### Legacy Documentation + + The forms and mapping below support the current UAD. See UAD documentation above for UAD 3.6 documents. + +- [UAD 2.6 FAQs](/media/document/pdf/faqs-uniform-appraisal-dataset-uad) +- [Legacy UAD Compliance Rules](/media/document/xls/uad-compliance-rules) +- [Legacy UAD Specification Guide](/media/document/pdf/uad-specification-guide) +- [Legacy UAD Specification: Appendix A | GSE Appraisal Forms Mapping (.pdf)](/media/document/pdf/uad-specification-appendix-gse-appraisal-forms-mapping) +- [Legacy UAD Specification: Appendix B | GSE Appraisal Forms Mapping (.xls)](/media/document/xlsx/uad-specification-appendix-b-gse-appraisal-forms-mapping-xls) +- [Legacy UAD Specification: Appendix C | Appraisal Forms with Numbered Fields](/media/document/zip/uad-specification-appendix-c-appraisal-forms-numbered-fields) +- [Legacy UAD Specification: Appendix D | Field-Specific Standardization Requirements](/media/document/pdf/uad-specification-appendix-d-field-specific-standardization-requirements) + + ##### Related Links + + - [Appraisers](/learning-center/applications/appraisers-property-underwriting) + - [Technology Integration](/technology-integration/technology-integration-resources) + - [UMDP Disclaimer and Limitation on Liability](/media/document/pdf/umdp-disclaimer-and-limitation-liability) + - [Uniform Mortgage Data Program (UMDP](/delivering/uniform-mortgage-data-program)[)](/node/2811) + + ##### Related Applications + + - [Collateral Underwriter® (CU®)](/applications-technology/collateral-underwriter) + - [Uniform Collateral Data Portal® (UCDP®)](/applications-technology/uniform-collateral-data-portal) + + campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } }); + + + + ![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) + + ### Have questions? + + Get answers to your policy and guide questions, straight from the source. + + [Get Started **](/applications-technology/ask-poli) + + ###### Work with Fannie Mae + + - [Customer Login](/saml/login) + - [Password Reset](https://passwordreset.fanniemae.com/) + - [Not a customer? 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Single-Family Business + + ## FM Site Nav + + [Homepage ![Fannie Mae logo](/themes/custom/particle/dist/app-drupal-sf/assets/fm_logo_rgb.png)](https://www.fanniemae.com/) - [Originating & Underwriting](/originating-underwriting) + - [Pricing & Execution](/pricing-execution) + - [Delivering](/delivering) + - [Servicing](/servicing) + - [Learning Center](/learning-center) + - [Apps & Technology](/applications-technology/applications-technology) + - [News & Events](/news-events) + - [Become a Partner](/become-fannie-mae-seller-or-servicer) + Toggle search ** + + [Login](/saml/login?destination=/) // Function to initialize a search interface document.addEventListener('DOMContentLoaded', async function () { async function initializeSearchInterface(id, accessToken, organizationId) { const searchInterface = document.getElementById(id); if (searchInterface) { await customElements.whenDefined("atomic-search-interface"); // Initialization await searchInterface.initialize({accessToken: accessToken, organizationId: organizationId, organizationEndpoints: await searchInterface.getOrganizationEndpoints(organizationId)}); // Only need this for the guides. if (window.location.host.indexOf("guide") !== -1 || window.location.host.indexOf("credit") !== -1 || window.location.host.indexOf("fm") !== -1) { const searchBox = document.querySelector('atomic-search-interface#search-interface-search-bar atomic-search-box'); const engine = searchInterface.engine; var currentQuery = ""; function handleStateUpdate() { const state = engine.state; if (engine.state.query.q != "" && currentQuery != engine.state.query.q) { currentQuery = engine.state.query.q; var redirectUrl = searchBox.redirectionUrl + "&q=" + engine.state.query.q; searchBox.redirectionUrl = redirectUrl; } } const unsubscribe = engine.subscribe(handleStateUpdate); } } } // Initialize the first search initializeSearchInterface("search-interface-search-bar", 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc', 'fanniemae9glu2r77'); var accessToken = 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc'; var fieldName = "@clickableuri"; var fieldValue = function () {return location.href } setTimeout(function(){ coveoua("init", accessToken, "https://fanniemae9glu2r77.analytics.org.coveo.com/rest/ua"); coveoua("send", "view", { contentIdKey: fieldName, contentIdValue: fieldValue(), }); }, 3000); }); + + // Get the toggle button and the search form block document.addEventListener('DOMContentLoaded', function () { var toggleButton = document.querySelector('.fm-toggle-search'); var searchFormBlock = document.querySelector('.fm-search__form-block--header'); // Add click event listener to the toggle button toggleButton.addEventListener('click', function () { searchFormBlock.classList.toggle('is-open'); }); }); atomic-search-interface#search-interface-search-bar { position: absolute; right: 1%; top: 0; padding: 8px; background: #F1F1EF; border-radius: 55px; width: 98%; z-index: 999; transform: translateY(-60px); } @media only screen and (min-width: 768px) { atomic-search-interface#search-interface-search-bar { width: 430px; right: 16px; min-width: 430px; transform: unset; } } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box { width: auto; max-width: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper) { border: 1px solid rgba(12, 12, 12, 0.3); border-radius: 24px; background: #fff; padding: 4px 10px; align-items: center; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper):focus-within { box-shadow: unset; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input) { color: #121212; font-family: 'Source Sans Pro', sans-serif; font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box { width: auto; max-width: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper) { border: 1px solid rgba(12, 12, 12, 0.3); border-radius: 24px; background: #fff; padding: 4px 10px; align-items: center; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper):focus-within { box-shadow: unset; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input) { color: #121212; font-family: 'Source Sans Pro', sans-serif; font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } .fm-search__form-block--header.is-open { transform: inherit; opacity: 1; display: block; } .fm-search__form-block--header { transform: translateY(-20px); transition: all 0.4s ease-in-out; opacity: 0; z-index: -1; } .fm-search__form-block--header.container { position: relative; padding: 0; max-width: 100%; } atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(clear-icon):hover { color: #1c6fa3; } atomic-search-interface#search-interface-search-bar.guide atomic-search-box::part(clear-button) { margin-top: -8px; margin-right: 10px; } + + + + []() + + - [Home](/) + - [Delivering](/delivering) + - [Uniform Mortgage Data Program](/delivering/uniform-mortgage-data-program) + - Uniform Appraisal Dataset + + Delivering + + # Uniform Appraisal Dataset + + Improving the quality and consistency of appraisal data + + Fannie Mae and Freddie Mac (the GSEs) have worked on the UAD redesign since 2018, leveraging extensive stakeholder input to update the appraisal dataset, align it with current mortgage industry data standards (MISMO® v3.6), and replace the GSE appraisal forms with a single data-driven, flexible, and dynamic appraisal report for any residential property type. To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources below. + + **Coming soon: accessory dwelling unit (ADU) and manufactured housing (MH) financing opportunities for UAD 3.6 users** + +Meet the growing demand for flexible housing options with expanded MH and ADU policy updates. These updates will be available in Desktop Underwriter® on Mar. 31, 2026 – prepare now for your transition to the new UAD. + +[Check out the update](/media/document/pdf/announcement-sel-2025-10-selling-guide-updates) + + ![image](/sites/g/files/koqyhd181/files/icons/2025-04/3%20people%20talking.svg) + + [Announcements](#uad-announcements) + + ![image](/sites/g/files/koqyhd181/files/icons/2025-04/plug.svg) + + [Get Started with UAD 3.6](#uad-36-resources) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/fact-sheet.svg) + + [UAD 3.6 Documentation](#uad-documentation) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/technology.svg) + + [UAD 2.6 and Resources](#uad-26-resources) + + #### Lender Preparedness Webinar Recording + + []() × + + > *[Iframe content not accessible: https://fanniemae.qumucloud.com/view/XircO1Beu7xameqeTvQnay?&autoplay=0]* + + ![image](https://fanniemae.qumucloud.com/kulu/XircO1Beu7xameqeTvQnay/thumbnail) + + ![image](/sites/g/files/koqyhd181/files/2021-05/UMDP%20logo%20May%202021.png) + + + + ## []()Announcements + + ### + + Available Now in Broad Production: UAD 3.6 and Forms Redesign: Jan. 26, 2026 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign Broad Production Period begins today, January 26, 2026. All lenders are now permitted to submit UAD 3.6 appraisal reports to the Uniform Collateral Data Portal® (UCDP®). + +Submission of UAD 3.6 appraisal reports is not yet mandatory; however, lenders that have updated their systems and processes to support UAD 3.6 appraisal reports – including working with an[appraisal software provider](/integrated-vendor-list) whose software has been verified for UAD 3.6 – are encouraged to begin integrating appraisal reports that use UAD 3.6 into their workflow. Gradually integrating UAD 3.6 appraisal reports will help lenders prepare for a full transition by November 2, 2026 mandate, when all appraisal reports on loans sold to Freddie Mac or Fannie Mae must use UAD 3.6. + +To learn more about the UAD 3.6 and Forms Redesign, visit the[Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and UAD webpages. If you have questions, please contact your GSE representative. + + UAD 3.6 and Forms Redesign: Inspection and Reporting Tips: Oct. 21, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team created the [UAD Inspection and Reporting Tips](/media/document/pdf/uad-36-inspection-and-reporting-tips) document to highlight notable differences in information collected between the legacy forms (UAD 2.6) and the redesigned URAR (UAD 3.6). + +Appraisers can use the Inspection and Reporting Tips document as a job aid when completing appraisal assignments using UAD 3.6. It focuses on new information requirements when physically inspecting the property or when researching property information and completing the URAR. + +Visit the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and webpages to view all UAD resources. + + UAD 3.6 Compliance Rules Update - URAR, Restricted Appraisal Update Report, and Completion Report: Sept. 16, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team has updated the UAD Compliance Rules for the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and Completion Report. + +**Summary of Changes** + +- **Severity Level Changes:**Effective January 26, 2026, the severity level for certain rules applicable to the Restricted Appraisal Update Report and Completion Report will be updated. For details, see [Appendix H-2](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) and [Appendix H-3](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) on the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) UAD webpages. With the implementation of UAD 3.6, Restricted Appraisal Update Reports and Completion Reports must be submitted to the Uniform Collateral Data Portal® (UCDP®) as referenced in Fannie Mae’s [*Selling Guide* Supplement: UAD 3.6 Policy](/media/document/pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy) and Freddie Mac’s*Single-Family Seller/Servicer Guide* (Guide)[Bulletin 2025-7](https://guide.freddiemac.com/app/guide/bulletin/2025-7). +- **URAR:**Note update to one rule – see [Appendix H-1](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar). +If you have questions, please contact your GSE account representative. + + Available Now in Limited Production: UAD 3.6 and Forms Redesign: Sept. 8, 2025 + + After over five years of preparation, the Limited Production Period for the Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign is finally here! This period innovates the appraisal space with improved data standardization, a simplified review process, and dynamic reporting. Fannie Mae and Freddie Mac (the GSEs) have completed their system and policy updates and are ready to work with lenders and appraisal software vendors to implement UAD 3.6. + +Participating in the Limited Production Period offers lenders an opportunity to experience the new UAD and redesigned Uniform Residential Appraisal Report (URAR) in their production environment with hands-on, high-touch support from the GSEs. + +Lenders, appraisal software vendors, and their partners may have different timelines for adopting the new UAD and redesigned URAR. As industry participants become ready, the GSEs will continue to work with them to implement new technologies and processes, supporting a smooth transition to these transformational appraisal enhancements. + +Even if lenders aren’t planning to participate in the Limited Production Period, they’re encouraged to start planning and preparing for their UAD transition now.***Lenders should take these steps:*** + +- Visit the[Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad)and[Fannie Mae](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) UAD webpages to access valuable resources. +- Review the [UAD timeline](/media/document/pdf/uad-and-forms-redesign-timeline). +- Access the [UAD Lender Readiness Kit](/media/document/pdf/uad-lender-readiness-kit)and [Limited Production Lender Readiness Questionnaire](/media/document/pdf/uad-lender-readiness-questionnaire) and use them as a roadmap for planning. +- Take the [industry training](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html). + + [View all announcements](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset/uniform-appraisal-dataset-announcements) + + ## []()Get started with UAD 3.6 + + ### + + ##### UAD 3.6 Selling Guide Supplement + + Access UAD 3.6-specific policy. UAD 2.6 users should refer to the Fannie Mae Selling Guide. + + [Learn more **](/media/42571/display) + + ##### UAD and Forms Redesign Timeline + + Detailed timeline outlines specific dates for each implementation phase to help the industry prepare. + + [Learn More **](https://singlefamily.fanniemae.com/media/25391/display) + + ##### Industry Training for the New UAD and URAR + + New URAR course educates industry on the dynamic appraisal reports and updated dataset. + + [Learn More **](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html) + + ##### Lender Readiness Kit + + This document helps lenders prepare for and adopt the updated UAD and retire the existing appraisal forms. It offers timelines and roadmaps to keep lenders on track, and additional resources to learn more along the way. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-kit) + + ##### Functioning without Form Numbers: Mapping Legacy Forms to the Redesigned URAR + + Helps the transition to the new report by providing clarification on how existing appraisal form numbers map to the URAR’s new dynamic structure and discrete and repeatable data. + + [Learm More **](https://singlefamily.fanniemae.com/media/document/pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type) + + ##### Frequently Asked Questions + + Provides answers to common questions about the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/23286/display) + + ##### Limited Production Period Overview + + Guidelines to aid lenders in preparing for the Limited Production Period of the UAD 3.6 and Forms Redesign Initiative. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-limited-production-readiness-overview) + + ##### Limited Production Period Lender Readiness Questionnaire + + Must be completed by lenders who are seeking approval to participate in the UAD 3.6 and Forms Redesign Limited Production Period. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-questionnaire) + + ##### Combined Sample Scenarios + + Appendix D sample scenarios, combined into a single PDF to make it easier to access and review them. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/sample-scenario-pdf) + + ##### Condition and Quality Rating Definitions PDF + + PDF of previously published definitions of Condition and Quality Ratings from Appendix F-1: URAR Reference Guide. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/condition-and-quality-rating-definitions-pdf) + + ##### Partner Playbook + + Designed to help industry partners prepare for the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/34686/display) + + ##### Servicer Preparedness + + Prepares servicers for the transition for UAD 3.6. + + [Learn More **](/media/document/pdf/uniform-appraisal-dataset-faqs-servicers) + + ##### Inspection and Reporting Tips + + Appraisers, education providers, and software vendors should review this document to understand key differences between UAD 2.6 and UAD 3.6 + + [Learn more **](/media/43946/display) + + + + ** + + ** + + /* Carousel Content Title */ .carousel--controls-visible .carousel--card__title{margin-left: 2.5%; margin-bottom: 32px!important;} @media(min-width: 800px){ .carousel--controls-visible .carousel--card__title{margin-left: 54px;} } /** START - Carousel Content **/ .carousel--controls-visible .carousel__wrapper{display: flex; flex-direction: column; padding-bottom: 10px;} @media(min-width: 1120px){ .carousel--controls-visible .carousel__wrapper{padding-bottom: 40px;} } .carousel--controls-visible .carousel__wrapper .slick-list, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide > div:first-child, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item .card{height: 100%;} .carousel--controls-visible .carousel__wrapper .slick-list{display: grid;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__description{margin-bottom: 35px;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__link-wrapper{bottom: 0; position: relative; margin-top: auto;} /** END - Carousel Content **/ /* Carousel Content Nav Dots */ .carousel--controls-visible .carousel__wrapper .carousel-indicators .slick-dots{padding-left: 0;} /* START - Carousel Link */ .carousel--controls-visible .carousel__link-wrapper{margin-left: 2.5%; margin-top: 80px;} @media(min-width: 800px){ .carousel--controls-visible .carousel__link-wrapper{margin-left: 54px; margin-top: 80px;} } @media(min-width: 1120px){ .carousel--controls-visible .carousel__link-wrapper{margin-top: 40px;} } .carousel--controls-visible .carousel__link-wrapper .carousel__link{margin-left: 0;} /* END - Carousel Link */ /* Carousel White Card with Border */ .carousel--white .card{width: calc(100% - 2px);} @media(min-width: 768px){ .carousel--white .card{width: auto;} } ## []()**UAD 3.6 Documentation** + +The following UAD 3.6 resources provide the actionable documentation needed to translate the data entered on the report into the format required for submission via the UCDP. See below for legacy UAD resources. + + ### + + - Uniform Residential Appraisal Report + - Restricted Appraisal Update Report + - Completion Report + [**Appendix A-1: URAR Delivery Specification**](/media/document/xlsx/appendix-1-urar-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-1: URAR Implementation Guide**](/media/document/zip/appendix-b-1-urar-implementation-guide) + + This zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids and provide guidance for creating the user interface. + + [**Appendix C-1: URAR Layout**](/media/document/zip/appendix-c-1-urar-layout) + + This zip file contains the URAR with Report Field IDs document and the URAR without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality. + + [**Appendix D-1: URAR Sample Scenarios and XML Files**](/media/document/zip/appendix-d-1-urar-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-1: URAR Reference Guide**](/media/document/zip/appendix-f-1-urar-reference-guide) + + This zip file contains the URAR Reference Guide and its supplement. The Reference Guide provides guidance on how to enter information and how the data will be displayed in the URAR. The supplement summarizes information about the Comparable Grids. + + [**Appendix G-1: Redesign to Legacy UAD Cross Reference Guide**](/media/document/xlsx/appendix-g-1-redesign-legacy-uad-cross-reference-guide) + + This document contains the data points, enumerations, and xPaths of the redesigned UAD mapped to existing data elements in the Legacy UAD dataset. + + [**Appendix H-1: UAD Compliance Rules-URAR**](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Delivery Specification. These rules verify data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-2: Restricted Appraisal Update Report Delivery Specification**](/media/document/xlsx/appendix-2-restricted-appraisal-update-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-2: Restricted Appraisal Update Report Implementation Guide**](/media/document/pdf/appendix-b-2-restricted-appraisal-update-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-2: Restricted Appraisal Update Report Layout**](/media/document/zip/appendix-c-2-restricted-appraisal-update-report-layout) + + This zip file contains the Restricted Appraisal Update Report with Report Field IDs document and the Restricted Appraisal Update Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Restricted Appraisal Update Report, regardless of conditionality. + + [**Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File**](/media/document/zip/appendix-d-2-restricted-appraisal-update-report-sample-scenario-and-xml-file) + + This zip file contains an example scenario, accompanying XML, and a document that summarizes the scenario, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-2: Restricted Appraisal Update Report Reference Guide**](/media/document/pdf/appendix-f-2-restricted-appraisal-update-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report. + + [**Appendix H-2: UAD Compliance Rules – Restricted Appraisal Update Report**](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Restricted Appraisal Update Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-3: Completion Report Delivery Specification**](/media/document/xlsx/appendix-3-completion-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-3: Completion Report Implementation Guide**](/media/document/pdf/appendix-b-3-completion-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-3: Completion Report Layout**](/media/document/zip/appendix-c-3-completion-report-layout) + + This zip file contains the Completion Report with Report Field IDs document and the Completion Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Completion Report, regardless of conditionality. + + [**Appendix D-3: Completion Report Sample Scenarios and XML Files**](/media/document/zip/appendix-d-3-completion-report-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-3: Completion Report Reference Guide**](/media/document/pdf/appendix-f-3-completion-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Completion Report. + + [**Appendix H-3: UAD Compliance Rules – Completion Report**](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Completion Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + + + [**UAD 3.6 Subschema Zip File**](/media/document/zip/uad-36-schema-zip-file) + + The UAD documentation leverages the MISMO Version 3.6. The GSEs have created a Subschema that contains only the data elements needed to support the UAD 3.6 specification and includes additional enforcement. + + + + ## Now Showing: UAD - The Movie + + Learn more about how this multi-year project will enhance appraisal data quality and consistency. + + [Watch Video](https://youtu.be/A-7GhWtLLBo) + + [See Infographic](/media/document/pdf/uad-infographic) + + ![image](/sites/g/files/koqyhd181/files/styles/scale_2000/public/2021-01/uad_promo_video_thumbnail.png?itok=wv0ADQkJ) + + ## []()**UAD 2.6 and Resources** + + ##### Legacy Documentation + + The forms and mapping below support the current UAD. See UAD documentation above for UAD 3.6 documents. + +- [UAD 2.6 FAQs](/media/document/pdf/faqs-uniform-appraisal-dataset-uad) +- [Legacy UAD Compliance Rules](/media/document/xls/uad-compliance-rules) +- [Legacy UAD Specification Guide](/media/document/pdf/uad-specification-guide) +- [Legacy UAD Specification: Appendix A | GSE Appraisal Forms Mapping (.pdf)](/media/document/pdf/uad-specification-appendix-gse-appraisal-forms-mapping) +- [Legacy UAD Specification: Appendix B | GSE Appraisal Forms Mapping (.xls)](/media/document/xlsx/uad-specification-appendix-b-gse-appraisal-forms-mapping-xls) +- [Legacy UAD Specification: Appendix C | Appraisal Forms with Numbered Fields](/media/document/zip/uad-specification-appendix-c-appraisal-forms-numbered-fields) +- [Legacy UAD Specification: Appendix D | Field-Specific Standardization Requirements](/media/document/pdf/uad-specification-appendix-d-field-specific-standardization-requirements) + + ##### Related Links + + - [Appraisers](/learning-center/applications/appraisers-property-underwriting) + - [Technology Integration](/technology-integration/technology-integration-resources) + - [UMDP Disclaimer and Limitation on Liability](/media/document/pdf/umdp-disclaimer-and-limitation-liability) + - [Uniform Mortgage Data Program (UMDP](/delivering/uniform-mortgage-data-program)[)](/node/2811) + + ##### Related Applications + + - [Collateral Underwriter® (CU®)](/applications-technology/collateral-underwriter) + - [Uniform Collateral Data Portal® (UCDP®)](/applications-technology/uniform-collateral-data-portal) + + campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } }); + + + + ![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) + + ### Have questions? + + Get answers to your policy and guide questions, straight from the source. + + [Get Started **](/applications-technology/ask-poli) + + ###### Work with Fannie Mae + + - [Customer Login](/saml/login) + - [Password Reset](https://passwordreset.fanniemae.com/) + - [Not a customer? 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https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav + + Toggle navigation - - [Home](https://www.fanniemae.com/) + - [Single-Family Business](/) Toggle - [Originating & Underwriting](/originating-underwriting) + - [Pricing & Execution](/pricing-execution) + - [Delivering](/delivering) + - [Servicing](/servicing) + - [Learning Center](/learning-center) + - [Apps & Technology](/applications-technology/applications-technology) + - [News & Events](/news-events) + - [Become a Partner](/become-fannie-mae-seller-or-servicer) + - [Multifamily Business](https://multifamily.fanniemae.com/) + - [Capital Markets](https://capitalmarkets.fanniemae.com/) + - [Homebuyers, Owners, and Renters](https://yourhome.fanniemae.com/) + - - [Our Company]() + - [About Us](https://www.fanniemae.com/about-us) Toggle - [Who We Are](https://www.fanniemae.com/about-us/who-we-are) Toggle - [Awards and Recognition](https://www.fanniemae.com/about-us/who-we-are/awards-and-recognition) + - 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Conduct](https://www.fanniemae.com/about-us/corporate-governance/fannie-mae-code-conduct-board-directors) + - [Bylaws](https://www.fanniemae.com/about-us/corporate-governance/bylaws) + - [Contacting the Board of Directors](https://www.fanniemae.com/about-us/corporate-governance/contacting-board-directors) + - [Housing Reports](https://www.fanniemae.com/about-us/corporate-governance/ahar-and-amr) + - [Investor Relations](https://www.fanniemae.com/about-us/investor-relations) Toggle - [Quarterly and Annual Results](https://www.fanniemae.com/about-us/investor-relations/quarterly-and-annual-results) + - [SEC Filings](https://www.fanniemae.com/about-us/investor-relations/sec-filings) Toggle - [All SEC Filings](https://fanniemae.gcs-web.com/financial-information/sec-filings) + - [Annual Filings](https://fanniemae.gcs-web.com/annual-filings) + - [Quarterly Filings](https://fanniemae.gcs-web.com/quarterly-filings) + - [Current Reports](https://fanniemae.gcs-web.com/current-reports) + - [Section 16 Filings](https://fanniemae.gcs-web.com/section-filings) + - [Proxy Filings](https://fanniemae.gcs-web.com/proxy-filings) + - [Fixed-Income Securities](https://capitalmarkets.fanniemae.com/) + - [Monthly Summary and Capital Disclosures](https://www.fanniemae.com/about-us/investor-relations/additional-disclosures) Toggle - [Monthly Summary](https://www.fanniemae.com/about-us/investor-relations/monthly-summary) + - [Capital Disclosures](https://www.fanniemae.com/about-us/investor-relations/capital-disclosures) + - [Stockholder Information](https://www.fanniemae.com/about-us/investor-relations/stock-information) + - [Current and Historical Stock Information](https://fanniemae.gcs-web.com/stock-information/stock-quote) + - [Contact Information](https://www.fanniemae.com/about-us/investor-relations/investor-contact-information) + - [Corporate Responsibility](https://www.fanniemae.com/about-us/corp-responsibility) + - [Data and Insights](https://www.fanniemae.com/data-and-insights) Toggle - [Forecast](https://www.fanniemae.com/data-and-insights/forecast) Toggle - [Monthly Archive](https://www.fanniemae.com/data-and-insights/forecast/forecast-monthly-archive) + - [Surveys & Indices](https://www.fanniemae.com/data-and-insights/surveys) Toggle - [National Housing Survey](https://www.fanniemae.com/data-and-insights/surveys-indices/national-housing-survey) Toggle - [About the National Housing Survey](https://www.fanniemae.com/data-and-insights/surveys-indices/national-housing-survey/about-national-housing-survey) + - [Archive](https://www.fanniemae.com/data-and-insights/surveys-indices/national-housing-survey/national-housing-survey-archive) + - [Mortgage Lender Sentiment Survey](https://www.fanniemae.com/data-and-insights/surveys/mortgage-lender-sentiment-survey) Toggle - [About the Mortgage Lender Sentiment Survey](https://www.fanniemae.com/data-and-insights/surveys-indices/mortgage-lender-sentiment-survey/about-mortgage-lender-sentiment-survey) + - [Archive](https://www.fanniemae.com/data-and-insights/surveys-indices/mortgage-lender-sentiment-survey/mortgage-lender-sentiment-survey-archive) + - [Fannie Mae Home Price Index](https://www.fanniemae.com/data-and-insights/surveys-indices/fannie-mae-home-price-index) + - [Home Price Expectations Survey](https://www.fanniemae.com/data-and-insights/surveys-indices/home-price-expectations-survey-hpes) + - [Refinance Application-Level Index](https://www.fanniemae.com/data-and-insights/surveys-indices/refinance-application-level-index) Toggle - [About the Refinance Application-Level Index](https://www.fanniemae.com/data-and-insights/surveys-indices/refinance-application-level-index/about-refinance-application-level-index) + - [Special Topics](https://www.fanniemae.com/data-and-insights/surveys-indices/special-topics/special-topics-archive) Toggle - [Consumer Mortgage Understanding Survey](https://www.fanniemae.com/mortgage-understanding-study) + - [Special Topics Archive](https://www.fanniemae.com/data-and-insights/surveys-indices/special-topics/special-topics-archive) + - [Publications](https://www.fanniemae.com/data-and-insights/publications) Toggle - [Fannie Mae Working Papers](https://www.fanniemae.com/data-and-insights/publications/fannie-mae-working-papers) + - [Housing Insights](https://www.fanniemae.com/data-and-insights/publications/housing-insights) + - [Partner Research](https://www.fanniemae.com/data-and-insights/publications/partner-research) + - [Publications Archive](https://www.fanniemae.com/data-and-insights/publications/publications-archive) + - [Perspectives](https://www.fanniemae.com/data-and-insights/perspectives) Toggle - [Archive - 2025](https://www.fanniemae.com/data-and-insights/perspectives/fannie-mae-perspectives-2025-archive) + - [Archive - 2024](https://www.fanniemae.com/data-and-insights/perspectives/fannie-mae-perspectives-2024-archive) + - [Archive - 2023](https://www.fanniemae.com/data-and-insights/perspectives/fannie-mae-perspectives-2023-archive) + - [Archive - 2022](https://www.fanniemae.com/data-and-insights/perspectives/fannie-mae-perspectives-2022-archive) + - [About ESR](https://www.fanniemae.com/data-and-insights/about-economic-and-strategic-research-esr-group) + - [Newsroom](https://www.fanniemae.com/newsroom) Toggle - [News](https://www.fanniemae.com/newsroom/fannie-mae-news) + - [Media Resources](https://www.fanniemae.com/newsroom/media-resources) + - [Careers](https://www.fanniemae.com/careers) Toggle - [Our Teams](https://www.fanniemae.com/careers/our-teams) Toggle - [Corporate Teams](https://www.fanniemae.com/careers/our-teams/corporate-teams) + - [Data & Analytics](https://www.fanniemae.com/careers/our-teams/data-analytics) + - [Digital & Technology](https://www.fanniemae.com/careers/our-teams/digital-technology) + - [Mortgage & Customer Solutions](https://www.fanniemae.com/careers/our-teams/mortgage-customer-solutions) + - [Risk Management](https://www.fanniemae.com/careers/our-teams/risk-management) + - [Life at Fannie Mae](https://www.fanniemae.com/careers/life-fannie-mae) + - [Benefits & Professional Development](https://www.fanniemae.com/careers/benefits) + - [Campus](https://www.fanniemae.com/careers/campus) + - [Contact Us](https://www.fanniemae.com/about-us/contact-us) + Menu Single-Family Business + + ## FM Site Nav + + [Homepage ![Fannie Mae logo](/themes/custom/particle/dist/app-drupal-sf/assets/fm_logo_rgb.png)](https://www.fanniemae.com/) - [Originating & Underwriting](/originating-underwriting) + - [Pricing & Execution](/pricing-execution) + - [Delivering](/delivering) + - [Servicing](/servicing) + - [Learning Center](/learning-center) + - [Apps & Technology](/applications-technology/applications-technology) + - [News & Events](/news-events) + - [Become a Partner](/become-fannie-mae-seller-or-servicer) + Toggle search ** + + [Login](/saml/login?destination=/) // Function to initialize a search interface document.addEventListener('DOMContentLoaded', async function () { async function initializeSearchInterface(id, accessToken, organizationId) { const searchInterface = document.getElementById(id); if (searchInterface) { await customElements.whenDefined("atomic-search-interface"); // Initialization await searchInterface.initialize({accessToken: accessToken, organizationId: organizationId, organizationEndpoints: await searchInterface.getOrganizationEndpoints(organizationId)}); // Only need this for the guides. if (window.location.host.indexOf("guide") !== -1 || window.location.host.indexOf("credit") !== -1 || window.location.host.indexOf("fm") !== -1) { const searchBox = document.querySelector('atomic-search-interface#search-interface-search-bar atomic-search-box'); const engine = searchInterface.engine; var currentQuery = ""; function handleStateUpdate() { const state = engine.state; if (engine.state.query.q != "" && currentQuery != engine.state.query.q) { currentQuery = engine.state.query.q; var redirectUrl = searchBox.redirectionUrl + "&q=" + engine.state.query.q; searchBox.redirectionUrl = redirectUrl; } } const unsubscribe = engine.subscribe(handleStateUpdate); } } } // Initialize the first search initializeSearchInterface("search-interface-search-bar", 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc', 'fanniemae9glu2r77'); var accessToken = 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc'; var fieldName = "@clickableuri"; var fieldValue = function () {return location.href } setTimeout(function(){ coveoua("init", accessToken, "https://fanniemae9glu2r77.analytics.org.coveo.com/rest/ua"); coveoua("send", "view", { contentIdKey: fieldName, contentIdValue: fieldValue(), }); }, 3000); }); + + // Get the toggle button and the search form block document.addEventListener('DOMContentLoaded', function () { var toggleButton = document.querySelector('.fm-toggle-search'); var searchFormBlock = document.querySelector('.fm-search__form-block--header'); // Add click event listener to the toggle button toggleButton.addEventListener('click', function () { searchFormBlock.classList.toggle('is-open'); }); }); atomic-search-interface#search-interface-search-bar { position: absolute; right: 1%; top: 0; padding: 8px; background: #F1F1EF; border-radius: 55px; width: 98%; z-index: 999; transform: translateY(-60px); } @media only screen and (min-width: 768px) { atomic-search-interface#search-interface-search-bar { width: 430px; right: 16px; min-width: 430px; transform: unset; } } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; 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atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } 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atomic-search-box::part(wrapper):focus-within { box-shadow: unset; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input) { color: #121212; font-family: 'Source Sans Pro', sans-serif; font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } .fm-search__form-block--header.is-open { transform: inherit; opacity: 1; display: block; } .fm-search__form-block--header { transform: translateY(-20px); transition: all 0.4s ease-in-out; opacity: 0; z-index: -1; } .fm-search__form-block--header.container { position: relative; padding: 0; max-width: 100%; } atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(clear-icon):hover { color: #1c6fa3; } atomic-search-interface#search-interface-search-bar.guide atomic-search-box::part(clear-button) { margin-top: -8px; margin-right: 10px; } + + + + []() + + ![New England homes from above](/sites/g/files/koqyhd181/files/styles/16_9_letterbox/public/2020-01/delivering.jpg?h=44883eb9&itok=_cltUS2C) + + - [Home](/) + - Delivering + + # Delivering + + Streamline your loan delivery + + Access all the resources needed to deliver whole loans and MBS pools to Fannie Mae including technology applications and tools used for delivery, such as eClosings and eMortgages, Loan Delivery, and EarlyCheck. + +We also provide helpful information to ensure loans meet the [Uniform Management Data Program (UMDP)](/delivering/uniform-mortgage-data-program) standards while keeping you up-to-date with the latest Selling Guide updates, news and industry data requirements. + +[Document custodians](/learning-center/delivering/document-custodians)provide critical services for loans owned or securitized by Fannie Mae, subject to eligibility criteria and operating standards. Fannie Mae provides tools and resources to assist in the certification and custody of collateral loan files consistent with our requirements. + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/selling-guide.svg) + + [Selling Guide](/external-resource/selling-guide) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/fact-sheet.svg) + + [Guide Communications & Forms](/selling-and-servicing-guide-forms-and-communications) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/technology.svg) + + [Technology Solutions](/applications-technology/applications-technology) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/learning-center.svg) + + [Help & Training](/learning-center/delivering-learning-center) + + ### Technology applications and tools + + ##### Loan Delivery + + Submit whole loan sale and MBS pools to Fannie Mae. + + [Learn More **](/applications-technology/loan-delivery) + + ##### EarlyCheck + + With EarlyCheck™, lenders identify and correct potential eligibility and/or data issues early in their processes and prior to loan delivery. + + [Learn More **](/applications-technology/earlycheck) + + ##### Uniform Closing Dataset (UCD) Collection Solution + + Test and deliver the Uniform Closing Dataset (UCD) XML file to Fannie Mae. + + [Learn More **](/applications-technology/uniform-closing-dataset-collection-solution) + + ### + + ##### Fannie Mae Connect + + Fannie Mae Connect™ is your one-stop-shop to access data, reports, and analytics that make doing business with us easier. + + [Learn More **](/applications-technology/fannie-mae-connect) + + ##### eMortgage + + Resources to support delivery of electronic mortgages and closing documents. + + [Learn More **](/emortgage) + + ##### Document Certification + + Document custodians use this application to certify MBS pools and whole loans and transmit the certification status to Fannie Mae and the lender. + + [Learn More **](/applications-technology/document-certification) + + ##### Loan Delivery Test Environment + + Test production-ready Uniform Loan Delivery Dataset (ULDD) data. + + [Learn More **](/applications-technology/loan-delivery-test-environment) + + ### UMDP applications & information + + ##### Uniform Collateral Data Portal + + With UCDP, electronically submit appraisal reports for conventional mortgages delivered to Fannie Mae or Freddie Mac. + + [Learn More **](/applications-technology/uniform-collateral-data-portal) + + ##### Uniform Loan Delivery Dataset + + Part of UMDP, ULDD is the common set of data elements required by Fannie Mae and Freddie Mac for single-family loan deliveries. + + [Learn More **](/delivering/uniform-mortgage-data-program/uniform-loan-delivery-dataset) + + ##### Uniform Closing Dataset + + The UCD is an ongoing effort to improve closing data integration and consistency. + + [Learn More **](/delivering/uniform-mortgage-data-program/uniform-closing-dataset) + + ### Stay informed with the latest information + + Sign up for key policy, technology, and product updates. + + [Sign up for email updates **](https://singlefamily.fanniemae.com/form/notification-center) + + campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } }); + + + + ![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) + + ### Have questions? + + Get answers to your policy and guide questions, straight from the source. + + [Get Started **](/applications-technology/ask-poli) + + ###### Work with Fannie Mae + + - [Customer Login](/saml/login) + - [Password Reset](https://passwordreset.fanniemae.com/) + - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer) + + ###### Products & Solutions + + - [Mortgage Products & Options](/originating-underwriting/mortgage-products) + - [Technology Apps & Solutions](/applications-technology/applications-technology) + + ###### Support & Resources + + - [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts) + - [Guide Forms](/selling-servicing-guide-forms) + - [Learning Center](/learning-center) + - [News & Events](/news-events) + - [Report mortgage fraud](/mortgage-fraud-prevention) + + ###### Other Sites + + - [Fannie Mae's Consumer Website](https://www.fanniemae.com/) + - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/homeownership/duty-serve) + - [HomePath](https://www.homepath.com/) + + .login-block.menu-open .user-logout { position: inherit !important; float: left; margin-right: 5px; } + + jQuery(document).ready(function () { jQuery('a[href^="#"]:not(.hv-tabbed-content a)').on('click', function (e) { e.preventDefault(); const targetSelector = jQuery(this).attr('href'); const targetEl = jQuery(targetSelector); if (targetEl.length) { jQuery('html, body').animate( { scrollTop: targetEl.offset().top - 50, }, 500, function () { targetEl.attr('tabindex', '-1').focus(); } ); } }); }); + + ## Social media + + - [LinkedIn](https://www.linkedin.com/company/fannie-mae-corporation_19722) + - [Facebook](https://www.facebook.com/fanniemae) + - [Instagram](https://instagram.com/officialfanniemae) + - [X (formerly Twitter)](https://twitter.com/FannieMae) + + ## Footer menu + + - [Suppliers](https://www.fanniemae.com/portal/suppliers/index.html) + - [Careers](https://careers.fanniemae.com/main) + - [Contact Us](https://www.fanniemae.com/portal/about-fm/sf-mf-contacts.html) + - [Legal](https://www.fanniemae.com/about-us/legal-disclosure) + - [Privacy](https://www.fanniemae.com/about-us/corporate-governance/online-privacy-notice) + - [Cookie Preferences](javascript:void(0);) + + © 2026 Fannie Mae diff --git a/Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Single_Family_Homepage___Fannie_Mae_vjl8b.md b/Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Single_Family_Homepage___Fannie_Mae_vjl8b.md new file mode 100644 index 0000000000000000000000000000000000000000..df60506f748e6f0ed7259c0a8069db218cd40e47 --- /dev/null +++ b/Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Single_Family_Homepage___Fannie_Mae_vjl8b.md @@ -0,0 +1,355 @@ +--- +source_url: "https://singlefamily.fanniemae.com/" +date_accessed: "2026-01-27T17:46:01.901Z" +--- + +[Skip to main content](#main-content) + + > *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav + + Toggle navigation - - [Home](https://www.fanniemae.com/) + - [Single-Family Business](/) Toggle - [Originating & Underwriting](/originating-underwriting) + - [Pricing & Execution](/pricing-execution) + - [Delivering](/delivering) + - [Servicing](/servicing) + - [Learning 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Toggle - [News](https://www.fanniemae.com/newsroom/fannie-mae-news) + - [Media Resources](https://www.fanniemae.com/newsroom/media-resources) + - [Careers](https://www.fanniemae.com/careers) Toggle - [Our Teams](https://www.fanniemae.com/careers/our-teams) Toggle - [Corporate Teams](https://www.fanniemae.com/careers/our-teams/corporate-teams) + - [Data & Analytics](https://www.fanniemae.com/careers/our-teams/data-analytics) + - [Digital & Technology](https://www.fanniemae.com/careers/our-teams/digital-technology) + - [Mortgage & Customer Solutions](https://www.fanniemae.com/careers/our-teams/mortgage-customer-solutions) + - [Risk Management](https://www.fanniemae.com/careers/our-teams/risk-management) + - [Life at Fannie Mae](https://www.fanniemae.com/careers/life-fannie-mae) + - [Benefits & Professional Development](https://www.fanniemae.com/careers/benefits) + - [Campus](https://www.fanniemae.com/careers/campus) + - [Contact Us](https://www.fanniemae.com/about-us/contact-us) + Menu Single-Family Business + + ## FM Site Nav + + [Homepage ![Fannie Mae logo](/themes/custom/particle/dist/app-drupal-sf/assets/fm_logo_rgb.png)](https://www.fanniemae.com/) - [Originating & Underwriting](/originating-underwriting) + - [Pricing & Execution](/pricing-execution) + - [Delivering](/delivering) + - [Servicing](/servicing) + - [Learning Center](/learning-center) + - [Apps & Technology](/applications-technology/applications-technology) + - [News & Events](/news-events) + - [Become a Partner](/become-fannie-mae-seller-or-servicer) + Toggle search ** + + [Login](/saml/login?destination=/) // Function to initialize a search interface document.addEventListener('DOMContentLoaded', async function () { async function initializeSearchInterface(id, accessToken, organizationId) { const searchInterface = document.getElementById(id); if (searchInterface) { await customElements.whenDefined("atomic-search-interface"); // Initialization await searchInterface.initialize({accessToken: accessToken, organizationId: organizationId, organizationEndpoints: await searchInterface.getOrganizationEndpoints(organizationId)}); // Only need this for the guides. if (window.location.host.indexOf("guide") !== -1 || window.location.host.indexOf("credit") !== -1 || window.location.host.indexOf("fm") !== -1) { const searchBox = document.querySelector('atomic-search-interface#search-interface-search-bar atomic-search-box'); const engine = searchInterface.engine; var currentQuery = ""; function handleStateUpdate() { const state = engine.state; if (engine.state.query.q != "" && currentQuery != engine.state.query.q) { currentQuery = engine.state.query.q; var redirectUrl = searchBox.redirectionUrl + "&q=" + engine.state.query.q; searchBox.redirectionUrl = redirectUrl; } } const unsubscribe = engine.subscribe(handleStateUpdate); } } } // Initialize the first search initializeSearchInterface("search-interface-search-bar", 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc', 'fanniemae9glu2r77'); var accessToken = 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc'; var fieldName = "@clickableuri"; var fieldValue = function () {return location.href } setTimeout(function(){ coveoua("init", accessToken, "https://fanniemae9glu2r77.analytics.org.coveo.com/rest/ua"); coveoua("send", "view", { contentIdKey: fieldName, contentIdValue: fieldValue(), }); }, 3000); }); + + // Get the toggle button and the search form block document.addEventListener('DOMContentLoaded', function () { var toggleButton = document.querySelector('.fm-toggle-search'); var searchFormBlock = document.querySelector('.fm-search__form-block--header'); // Add click event listener to the toggle button toggleButton.addEventListener('click', function () { searchFormBlock.classList.toggle('is-open'); }); }); atomic-search-interface#search-interface-search-bar { position: absolute; right: 1%; top: 0; padding: 8px; background: #F1F1EF; border-radius: 55px; width: 98%; z-index: 999; transform: translateY(-60px); } @media only screen and (min-width: 768px) { atomic-search-interface#search-interface-search-bar { width: 430px; right: 16px; min-width: 430px; transform: unset; } } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box { width: auto; max-width: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper) { border: 1px solid rgba(12, 12, 12, 0.3); border-radius: 24px; background: #fff; padding: 4px 10px; align-items: center; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper):focus-within { box-shadow: unset; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input) { color: #121212; font-family: 'Source Sans Pro', sans-serif; font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box { width: auto; max-width: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper) { border: 1px solid rgba(12, 12, 12, 0.3); border-radius: 24px; background: #fff; padding: 4px 10px; align-items: center; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper):focus-within { box-shadow: unset; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input) { color: #121212; font-family: 'Source Sans Pro', sans-serif; font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } 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atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } .fm-search__form-block--header.is-open { transform: inherit; opacity: 1; display: block; } .fm-search__form-block--header { transform: translateY(-20px); transition: all 0.4s ease-in-out; opacity: 0; z-index: -1; } .fm-search__form-block--header.container { position: relative; padding: 0; max-width: 100%; } atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(clear-icon):hover { color: #1c6fa3; } atomic-search-interface#search-interface-search-bar.guide atomic-search-box::part(clear-button) { margin-top: -8px; margin-right: 10px; } + + + + []() + + ![image](/sites/g/files/koqyhd181/files/2025-11/CS2510-3787100%20Loan%20Limits%202026_marquee.png) + + + + + + ## Loan limits increase for 2026 + + U.S Federal Housing (FHFA) has published the conforming loan limits for 2026. + +[Learn more ****](/originating-underwriting/loan-limits) + + ![image](/sites/g/files/koqyhd181/files/2025-11/woman-handshake-marquee%20%281%29.jpg) + + + + + + ## Now available in Desktop Underwriter + + Take control of repurchase risk due to undisclosed debt and boost confidence in your loan quality earlier in the process with Desktop Underwriter®’s newest enhancement.​ + +[Learn more ****](/applications-technology/desktop-underwriter-desktop-originator/undisclosed-liabilities) + + ![image](/sites/g/files/koqyhd181/files/2025-11/CS2510-3809950%20C-to-P%20SF%20Marquee_FD.jpg) + + + + + + ## A boost for housing supply and homeownership + + .hero--homepage img{height: 580px; min-height: auto;} @media(min-width: 420px){ .hero--homepage img{height: 480px;} } @media(min-width: 768px){ .hero--homepage img{height: 410px;} } @media(min-width: 800px){ .hero--homepage img{height: 465px;} } @media(min-width: 992px){ .hero--homepage img{height: 430px;} } @media(min-width: 1120px){ .hero--homepage img{height: 100%;} } .hero--homepage .hero__content h2.hero__title{line-height: .98em;} New policy updates deliver greater certainty and flexibility for construction financing to help meet the needs of today's lenders and borrowers. + +[Learn more ****](https://singlefamily.fanniemae.com/originating-underwriting/mortgage-products/construction-products) + + ![image](/sites/g/files/koqyhd181/files/2022-01/sf_marquee.png) + + + + + + ## Rental income support made easy + + Income Calculator now supports all rental income types - both simple and complex - allowing you to serve more borrowers while reducing risk of repurchase. + +[Learn more ****](https://singlefamily.fanniemae.com/applications-technology/income-calculator) + + ### Fannie Mae supports those who house America through single-family mortgage products and solutions + + Our Single-Family business helps lenders originate quality affordable mortgages using innovative digital processes. Our funding makes products such as the 30-year, fixed-rate mortgage possible, providing homeowners with predictable mortgage payments over the life of the loan. It remains the most popular choice among homeowners. + + - [![image](/sites/g/files/koqyhd181/files/icons/2019-10/selling-guide.svg) + + Selling Guide](/external-resource/selling-guide) + - [![image](/sites/g/files/koqyhd181/files/icons/2019-10/servicing-guide.svg) + + Servicing Guide](/external-resource/servicing-guide) + - [![image](/sites/g/files/koqyhd181/files/icons/2019-10/learning-center.svg) + + Learning Center](/learning-center) + - [![image](/sites/g/files/koqyhd181/files/icons/2019-10/technology.svg) + + Technology Solutions](/applications-technology/applications-technology) + - [![image](/sites/g/files/koqyhd181/files/icons/2019-10/mortgage-products.svg) + + Mortgage Products](/originating-underwriting/mortgage-products) + + ## Become a Fannie Mae Seller/Servicer + +Partner with us for access to tools, resources, and the support you need to succeed in today's housing market. + +- **Innovative Mortgage Solutions** for today’s homebuyers +- **Clear, Consistent Pricing** in all markets at all times +- **Powerful Technology** and streamlined, value-driven servicing tools +- **Ease of Doing Business** without a pre-purchase review or fees +- **Fast Funding** available as soon as the same day loans are certified +- **Service and Support** offers the answers you need quickly +[Get started](/become-fannie-mae-seller-or-servicer) + + + + ## Affordable Homeownership + +Fannie Mae is creating more options for more homebuyers by tackling [access to credit and housing affordability challenges](/originating-underwriting/affordable). We provide our customers a variety of innovative loan products to meet their borrower’s needs. + +## Creating Opportunities + +Since its inception in 2018, Fannie Mae has been a partner in the [Appraiser Development Initiative™](/appraiser-development-initiative-adi), attracting new entrants to the real estate appraisal field. + + ### Featured Products + + ##### RefiNow + + A refinance option that provides expanded eligibility, resulting in new opportunities for you and your borrowers. + + [Learn more **](/originating-underwriting/refinow-expanding-refinance-eligibility-qualifying-homeowners) + + ##### HomeReady Mortgage + + HomeReady®’s innovative income flexibilities can help your customers qualify for an affordable mortgage with a down payment as low as 3%. + + [Learn more **](/originating-underwriting/mortgage-products/homeready-mortgage) + + ##### HomeStyle Renovation + + Learn how the HomeStyle® Renovation financing option provides a convenient and flexible way for your customers, who are considering home improvements, to make repairs and renovations. + + [Learn more **](/originating-underwriting/mortgage-products/homestyle-renovation) + + ##### MH Advantage + + See how our innovative offerings, including MH Advantage®, can support affordable alternatives to site-built homes. + + [Learn more **](/originating-underwriting/mortgage-products/manufactured-home-financing) + + ##### HomeStyle Refresh + + Whether purchasing a home or refinancing their current one, help your borrowers finance upgrades to improve the comfort and safety of their homes with a HomeStyle® Refresh mortgage. + + [Learn more **](/originating-underwriting/mortgage-products/homestyle-refresh-mortgage) + + ### Featured Applications + + ##### Desktop Underwriter + + Desktop Underwriter® (DU®) – the industry-leading underwriting system – helps lenders efficiently complete credit risk assessments to establish a home loan’s eligibility for sale and delivery to Fannie Mae. + + [Learn More **](/applications-technology/desktop-underwriter-desktop-originator) + + ##### Servicing Marketplace + + Servicing Marketplace, available in Pricing & Execution – Whole Loan®, brings together lenders and servicing buyers to increase transparency and operational efficiency. + + [Learn More **](/applications-technology/servicing-marketplace) + + ##### Fannie Mae Connect + + Fannie Mae Connect™ is a source for data, reporting and analytics, providing lenders full visibility into their business transactions with Fannie Mae. + + [Learn More **](/applications-technology/fannie-mae-connect) + + + + ## In the fast-paced mortgage industry, staying competitive means seizing every opportunity. + + We continue to invest in our technology solutions and process automation to keep your business moving forward. + + [Learn more **](/applications-technology/applications-technology) + + ![Fannie Mae events booth](/sites/g/files/koqyhd181/files/2020-01/events-img_4735-850x480_0.jpg) + + ### News & Events + + January 27, 2026 + + [In Case You Missed It: Policy Updates](/in-case-you-missed-it-policy-updates) + + January 26, 2026 + + [Available Now in Broad Production: UAD 3.6 and Forms Redesign](/news-events/available-now-broad-production-uad-36-and-forms-redesign) + + December 18, 2025 + + [Controlling For Collateral Defects](/originating-underwriting/loan-quality/quality-insider/december-2025) + + [View all News & Trends **](/news-events) + + ### Initiative Updates + + September 26, 2024 + + [Reconsideration of Value](/initiative-updates/reconsideration-value-rov) + + FEBRUARY 14, 2024 + + [Attorney Opinion Letter](/initiative-updates/attorney-opinion-letter) + + [View all of our initiatives](/initiative-updates) + + campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } }); + + + + ![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) + + ### Have questions? + + Get answers to your policy and guide questions, straight from the source. + + [Get Started **](/applications-technology/ask-poli) + + ###### Work with Fannie Mae + + - [Customer Login](/saml/login) + - [Password Reset](https://passwordreset.fanniemae.com/) + - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer) + + ###### Products & Solutions + + - [Mortgage Products & Options](/originating-underwriting/mortgage-products) + - [Technology Apps & Solutions](/applications-technology/applications-technology) + + ###### Support & Resources + + - [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts) + - [Guide Forms](/selling-servicing-guide-forms) + - [Learning Center](/learning-center) + - [News & Events](/news-events) + - [Report mortgage fraud](/mortgage-fraud-prevention) + + ###### Other Sites + + - [Fannie Mae's Consumer Website](https://www.fanniemae.com/) + - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/homeownership/duty-serve) + - [HomePath](https://www.homepath.com/) + + .login-block.menu-open .user-logout { position: inherit !important; float: left; margin-right: 5px; } + + jQuery(document).ready(function () { jQuery('a[href^="#"]:not(.hv-tabbed-content a)').on('click', function (e) { e.preventDefault(); const targetSelector = jQuery(this).attr('href'); const targetEl = jQuery(targetSelector); if (targetEl.length) { jQuery('html, body').animate( { scrollTop: targetEl.offset().top - 50, }, 500, function () { targetEl.attr('tabindex', '-1').focus(); } ); } }); }); + + ## Social media + + - [LinkedIn](https://www.linkedin.com/company/fannie-mae-corporation_19722) + - [Facebook](https://www.facebook.com/fanniemae) + - [Instagram](https://instagram.com/officialfanniemae) + - [X (formerly Twitter)](https://twitter.com/FannieMae) + + ## Footer menu + + - [Suppliers](https://www.fanniemae.com/portal/suppliers/index.html) + - [Careers](https://careers.fanniemae.com/main) + - [Contact Us](https://www.fanniemae.com/portal/about-fm/sf-mf-contacts.html) + - [Legal](https://www.fanniemae.com/about-us/legal-disclosure) + - [Privacy](https://www.fanniemae.com/about-us/corporate-governance/online-privacy-notice) + - [Cookie Preferences](javascript:void(0);) + + © 2026 Fannie Mae diff --git a/Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae1.md b/Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae1.md new file mode 100644 index 0000000000000000000000000000000000000000..3bab087fb9b26e28233eb3733e7033850f921970 --- /dev/null +++ b/Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae1.md @@ -0,0 +1,55 @@ +--- +title: "Uniform Appraisal Dataset | Fannie Mae" +source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset" +date_accessed: "2026-01-27T17:46:01.700Z" +selector: ".inner-container.rag-highlight-border" +parent_folder: "APPRAISAL_DATASET" +capture_name: "Uniform_Appraisal_Dataset___Fannie_Mae1" +--- + +- [Home](/) + - [Delivering](/delivering) + - [Uniform Mortgage Data Program](/delivering/uniform-mortgage-data-program) + - Uniform Appraisal Dataset + + Delivering + + # Uniform Appraisal Dataset + + Improving the quality and consistency of appraisal data + + Fannie Mae and Freddie Mac (the GSEs) have worked on the UAD redesign since 2018, leveraging extensive stakeholder input to update the appraisal dataset, align it with current mortgage industry data standards (MISMO® v3.6), and replace the GSE appraisal forms with a single data-driven, flexible, and dynamic appraisal report for any residential property type. To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources below. + + **Coming soon: accessory dwelling unit (ADU) and manufactured housing (MH) financing opportunities for UAD 3.6 users** + +Meet the growing demand for flexible housing options with expanded MH and ADU policy updates. These updates will be available in Desktop Underwriter® on Mar. 31, 2026 – prepare now for your transition to the new UAD. + +[Check out the update](/media/document/pdf/announcement-sel-2025-10-selling-guide-updates) + + ![image](Uniform_Appraisal_Dataset___Fannie_Mae1_3_20people_20talking.svg) + + [Announcements](#uad-announcements) + + ![image](Uniform_Appraisal_Dataset___Fannie_Mae1_plug.svg) + + [Get Started with UAD 3.6](#uad-36-resources) + + ![image](Uniform_Appraisal_Dataset___Fannie_Mae1_fact-sheet.svg) + + [UAD 3.6 Documentation](#uad-documentation) + + ![image](Uniform_Appraisal_Dataset___Fannie_Mae1_technology.svg) + + [UAD 2.6 and Resources](#uad-26-resources) + + #### Lender Preparedness Webinar Recording + + []() × + + > *[Iframe content not accessible: https://fanniemae.qumucloud.com/view/XircO1Beu7xameqeTvQnay?&autoplay=0]* + + ![image](Uniform_Appraisal_Dataset___Fannie_Mae1_thumbnail) + + ![image](Uniform_Appraisal_Dataset___Fannie_Mae1_UMDP_20logo_20May_202021.png) + + diff --git a/Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_5uy458.md b/Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_5uy458.md new file mode 100644 index 0000000000000000000000000000000000000000..168c71d352a86dae585db000ee41a5bf7fe0c0c1 --- /dev/null +++ b/Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_5uy458.md @@ -0,0 +1,498 @@ +--- +source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset#uad-announcements" +date_accessed: "2026-01-27T17:46:01.873Z" +--- + +[Skip to main content](#main-content) + + > *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav + + Toggle navigation - - [Home](https://www.fanniemae.com/) + - [Single-Family Business](/) Toggle - [Originating & Underwriting](/originating-underwriting) + - [Pricing & 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Toggle - [Monthly Summary](https://www.fanniemae.com/about-us/investor-relations/monthly-summary) + - [Capital Disclosures](https://www.fanniemae.com/about-us/investor-relations/capital-disclosures) + - [Stockholder Information](https://www.fanniemae.com/about-us/investor-relations/stock-information) + - [Current and Historical Stock Information](https://fanniemae.gcs-web.com/stock-information/stock-quote) + - [Contact Information](https://www.fanniemae.com/about-us/investor-relations/investor-contact-information) + - [Corporate Responsibility](https://www.fanniemae.com/about-us/corp-responsibility) + - [Data and Insights](https://www.fanniemae.com/data-and-insights) Toggle - [Forecast](https://www.fanniemae.com/data-and-insights/forecast) Toggle - [Monthly Archive](https://www.fanniemae.com/data-and-insights/forecast/forecast-monthly-archive) + - [Surveys & Indices](https://www.fanniemae.com/data-and-insights/surveys) Toggle - [National Housing 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atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } .fm-search__form-block--header.is-open { transform: inherit; opacity: 1; display: block; } .fm-search__form-block--header { transform: translateY(-20px); transition: all 0.4s ease-in-out; opacity: 0; z-index: -1; } .fm-search__form-block--header.container { position: relative; padding: 0; max-width: 100%; } atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(clear-icon):hover { color: #1c6fa3; } atomic-search-interface#search-interface-search-bar.guide atomic-search-box::part(clear-button) { margin-top: -8px; margin-right: 10px; } + + + + []() + + - [Home](/) + - [Delivering](/delivering) + - [Uniform Mortgage Data Program](/delivering/uniform-mortgage-data-program) + - Uniform Appraisal Dataset + + Delivering + + # Uniform Appraisal Dataset + + Improving the quality and consistency of appraisal data + + Fannie Mae and Freddie Mac (the GSEs) have worked on the UAD redesign since 2018, leveraging extensive stakeholder input to update the appraisal dataset, align it with current mortgage industry data standards (MISMO® v3.6), and replace the GSE appraisal forms with a single data-driven, flexible, and dynamic appraisal report for any residential property type. To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources below. + + **Coming soon: accessory dwelling unit (ADU) and manufactured housing (MH) financing opportunities for UAD 3.6 users** + +Meet the growing demand for flexible housing options with expanded MH and ADU policy updates. These updates will be available in Desktop Underwriter® on Mar. 31, 2026 – prepare now for your transition to the new UAD. + +[Check out the update](/media/document/pdf/announcement-sel-2025-10-selling-guide-updates) + + ![image](/sites/g/files/koqyhd181/files/icons/2025-04/3%20people%20talking.svg) + + [Announcements](#uad-announcements) + + ![image](/sites/g/files/koqyhd181/files/icons/2025-04/plug.svg) + + [Get Started with UAD 3.6](#uad-36-resources) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/fact-sheet.svg) + + [UAD 3.6 Documentation](#uad-documentation) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/technology.svg) + + [UAD 2.6 and Resources](#uad-26-resources) + + #### Lender Preparedness Webinar Recording + + []() × + + > *[Iframe content not accessible: https://fanniemae.qumucloud.com/view/XircO1Beu7xameqeTvQnay?&autoplay=0]* + + ![image](https://fanniemae.qumucloud.com/kulu/XircO1Beu7xameqeTvQnay/thumbnail) + + ![image](/sites/g/files/koqyhd181/files/2021-05/UMDP%20logo%20May%202021.png) + + + + ## []()Announcements + + ### + + Available Now in Broad Production: UAD 3.6 and Forms Redesign: Jan. 26, 2026 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign Broad Production Period begins today, January 26, 2026. All lenders are now permitted to submit UAD 3.6 appraisal reports to the Uniform Collateral Data Portal® (UCDP®). + +Submission of UAD 3.6 appraisal reports is not yet mandatory; however, lenders that have updated their systems and processes to support UAD 3.6 appraisal reports – including working with an[appraisal software provider](/integrated-vendor-list) whose software has been verified for UAD 3.6 – are encouraged to begin integrating appraisal reports that use UAD 3.6 into their workflow. Gradually integrating UAD 3.6 appraisal reports will help lenders prepare for a full transition by November 2, 2026 mandate, when all appraisal reports on loans sold to Freddie Mac or Fannie Mae must use UAD 3.6. + +To learn more about the UAD 3.6 and Forms Redesign, visit the[Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and UAD webpages. If you have questions, please contact your GSE representative. + + UAD 3.6 and Forms Redesign: Inspection and Reporting Tips: Oct. 21, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team created the [UAD Inspection and Reporting Tips](/media/document/pdf/uad-36-inspection-and-reporting-tips) document to highlight notable differences in information collected between the legacy forms (UAD 2.6) and the redesigned URAR (UAD 3.6). + +Appraisers can use the Inspection and Reporting Tips document as a job aid when completing appraisal assignments using UAD 3.6. It focuses on new information requirements when physically inspecting the property or when researching property information and completing the URAR. + +Visit the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and webpages to view all UAD resources. + + UAD 3.6 Compliance Rules Update - URAR, Restricted Appraisal Update Report, and Completion Report: Sept. 16, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team has updated the UAD Compliance Rules for the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and Completion Report. + +**Summary of Changes** + +- **Severity Level Changes:**Effective January 26, 2026, the severity level for certain rules applicable to the Restricted Appraisal Update Report and Completion Report will be updated. For details, see [Appendix H-2](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) and [Appendix H-3](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) on the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) UAD webpages. With the implementation of UAD 3.6, Restricted Appraisal Update Reports and Completion Reports must be submitted to the Uniform Collateral Data Portal® (UCDP®) as referenced in Fannie Mae’s [*Selling Guide* Supplement: UAD 3.6 Policy](/media/document/pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy) and Freddie Mac’s*Single-Family Seller/Servicer Guide* (Guide)[Bulletin 2025-7](https://guide.freddiemac.com/app/guide/bulletin/2025-7). +- **URAR:**Note update to one rule – see [Appendix H-1](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar). +If you have questions, please contact your GSE account representative. + + Available Now in Limited Production: UAD 3.6 and Forms Redesign: Sept. 8, 2025 + + After over five years of preparation, the Limited Production Period for the Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign is finally here! This period innovates the appraisal space with improved data standardization, a simplified review process, and dynamic reporting. Fannie Mae and Freddie Mac (the GSEs) have completed their system and policy updates and are ready to work with lenders and appraisal software vendors to implement UAD 3.6. + +Participating in the Limited Production Period offers lenders an opportunity to experience the new UAD and redesigned Uniform Residential Appraisal Report (URAR) in their production environment with hands-on, high-touch support from the GSEs. + +Lenders, appraisal software vendors, and their partners may have different timelines for adopting the new UAD and redesigned URAR. As industry participants become ready, the GSEs will continue to work with them to implement new technologies and processes, supporting a smooth transition to these transformational appraisal enhancements. + +Even if lenders aren’t planning to participate in the Limited Production Period, they’re encouraged to start planning and preparing for their UAD transition now.***Lenders should take these steps:*** + +- Visit the[Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad)and[Fannie Mae](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) UAD webpages to access valuable resources. +- Review the [UAD timeline](/media/document/pdf/uad-and-forms-redesign-timeline). +- Access the [UAD Lender Readiness Kit](/media/document/pdf/uad-lender-readiness-kit)and [Limited Production Lender Readiness Questionnaire](/media/document/pdf/uad-lender-readiness-questionnaire) and use them as a roadmap for planning. +- Take the [industry training](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html). + + [View all announcements](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset/uniform-appraisal-dataset-announcements) + + ## []()Get started with UAD 3.6 + + ### + + ##### UAD 3.6 Selling Guide Supplement + + Access UAD 3.6-specific policy. UAD 2.6 users should refer to the Fannie Mae Selling Guide. + + [Learn more **](/media/42571/display) + + ##### UAD and Forms Redesign Timeline + + Detailed timeline outlines specific dates for each implementation phase to help the industry prepare. + + [Learn More **](https://singlefamily.fanniemae.com/media/25391/display) + + ##### Industry Training for the New UAD and URAR + + New URAR course educates industry on the dynamic appraisal reports and updated dataset. + + [Learn More **](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html) + + ##### Lender Readiness Kit + + This document helps lenders prepare for and adopt the updated UAD and retire the existing appraisal forms. It offers timelines and roadmaps to keep lenders on track, and additional resources to learn more along the way. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-kit) + + ##### Functioning without Form Numbers: Mapping Legacy Forms to the Redesigned URAR + + Helps the transition to the new report by providing clarification on how existing appraisal form numbers map to the URAR’s new dynamic structure and discrete and repeatable data. + + [Learm More **](https://singlefamily.fanniemae.com/media/document/pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type) + + ##### Frequently Asked Questions + + Provides answers to common questions about the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/23286/display) + + ##### Limited Production Period Overview + + Guidelines to aid lenders in preparing for the Limited Production Period of the UAD 3.6 and Forms Redesign Initiative. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-limited-production-readiness-overview) + + ##### Limited Production Period Lender Readiness Questionnaire + + Must be completed by lenders who are seeking approval to participate in the UAD 3.6 and Forms Redesign Limited Production Period. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-questionnaire) + + ##### Combined Sample Scenarios + + Appendix D sample scenarios, combined into a single PDF to make it easier to access and review them. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/sample-scenario-pdf) + + ##### Condition and Quality Rating Definitions PDF + + PDF of previously published definitions of Condition and Quality Ratings from Appendix F-1: URAR Reference Guide. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/condition-and-quality-rating-definitions-pdf) + + ##### Partner Playbook + + Designed to help industry partners prepare for the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/34686/display) + + ##### Servicer Preparedness + + Prepares servicers for the transition for UAD 3.6. + + [Learn More **](/media/document/pdf/uniform-appraisal-dataset-faqs-servicers) + + ##### Inspection and Reporting Tips + + Appraisers, education providers, and software vendors should review this document to understand key differences between UAD 2.6 and UAD 3.6 + + [Learn more **](/media/43946/display) + + + + ** + + ** + + /* Carousel Content Title */ .carousel--controls-visible .carousel--card__title{margin-left: 2.5%; margin-bottom: 32px!important;} @media(min-width: 800px){ .carousel--controls-visible .carousel--card__title{margin-left: 54px;} } /** START - Carousel Content **/ .carousel--controls-visible .carousel__wrapper{display: flex; flex-direction: column; padding-bottom: 10px;} @media(min-width: 1120px){ .carousel--controls-visible .carousel__wrapper{padding-bottom: 40px;} } .carousel--controls-visible .carousel__wrapper .slick-list, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide > div:first-child, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item .card{height: 100%;} .carousel--controls-visible .carousel__wrapper .slick-list{display: grid;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__description{margin-bottom: 35px;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__link-wrapper{bottom: 0; position: relative; margin-top: auto;} /** END - Carousel Content **/ /* Carousel Content Nav Dots */ .carousel--controls-visible .carousel__wrapper .carousel-indicators .slick-dots{padding-left: 0;} /* START - Carousel Link */ .carousel--controls-visible .carousel__link-wrapper{margin-left: 2.5%; margin-top: 80px;} @media(min-width: 800px){ .carousel--controls-visible .carousel__link-wrapper{margin-left: 54px; margin-top: 80px;} } @media(min-width: 1120px){ .carousel--controls-visible .carousel__link-wrapper{margin-top: 40px;} } .carousel--controls-visible .carousel__link-wrapper .carousel__link{margin-left: 0;} /* END - Carousel Link */ /* Carousel White Card with Border */ .carousel--white .card{width: calc(100% - 2px);} @media(min-width: 768px){ .carousel--white .card{width: auto;} } ## []()**UAD 3.6 Documentation** + +The following UAD 3.6 resources provide the actionable documentation needed to translate the data entered on the report into the format required for submission via the UCDP. See below for legacy UAD resources. + + ### + + - Uniform Residential Appraisal Report + - Restricted Appraisal Update Report + - Completion Report + [**Appendix A-1: URAR Delivery Specification**](/media/document/xlsx/appendix-1-urar-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-1: URAR Implementation Guide**](/media/document/zip/appendix-b-1-urar-implementation-guide) + + This zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids and provide guidance for creating the user interface. + + [**Appendix C-1: URAR Layout**](/media/document/zip/appendix-c-1-urar-layout) + + This zip file contains the URAR with Report Field IDs document and the URAR without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality. + + [**Appendix D-1: URAR Sample Scenarios and XML Files**](/media/document/zip/appendix-d-1-urar-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-1: URAR Reference Guide**](/media/document/zip/appendix-f-1-urar-reference-guide) + + This zip file contains the URAR Reference Guide and its supplement. The Reference Guide provides guidance on how to enter information and how the data will be displayed in the URAR. The supplement summarizes information about the Comparable Grids. + + [**Appendix G-1: Redesign to Legacy UAD Cross Reference Guide**](/media/document/xlsx/appendix-g-1-redesign-legacy-uad-cross-reference-guide) + + This document contains the data points, enumerations, and xPaths of the redesigned UAD mapped to existing data elements in the Legacy UAD dataset. + + [**Appendix H-1: UAD Compliance Rules-URAR**](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Delivery Specification. These rules verify data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-2: Restricted Appraisal Update Report Delivery Specification**](/media/document/xlsx/appendix-2-restricted-appraisal-update-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-2: Restricted Appraisal Update Report Implementation Guide**](/media/document/pdf/appendix-b-2-restricted-appraisal-update-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-2: Restricted Appraisal Update Report Layout**](/media/document/zip/appendix-c-2-restricted-appraisal-update-report-layout) + + This zip file contains the Restricted Appraisal Update Report with Report Field IDs document and the Restricted Appraisal Update Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Restricted Appraisal Update Report, regardless of conditionality. + + [**Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File**](/media/document/zip/appendix-d-2-restricted-appraisal-update-report-sample-scenario-and-xml-file) + + This zip file contains an example scenario, accompanying XML, and a document that summarizes the scenario, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-2: Restricted Appraisal Update Report Reference Guide**](/media/document/pdf/appendix-f-2-restricted-appraisal-update-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report. + + [**Appendix H-2: UAD Compliance Rules – Restricted Appraisal Update Report**](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Restricted Appraisal Update Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-3: Completion Report Delivery Specification**](/media/document/xlsx/appendix-3-completion-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-3: Completion Report Implementation Guide**](/media/document/pdf/appendix-b-3-completion-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-3: Completion Report Layout**](/media/document/zip/appendix-c-3-completion-report-layout) + + This zip file contains the Completion Report with Report Field IDs document and the Completion Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Completion Report, regardless of conditionality. + + [**Appendix D-3: Completion Report Sample Scenarios and XML Files**](/media/document/zip/appendix-d-3-completion-report-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-3: Completion Report Reference Guide**](/media/document/pdf/appendix-f-3-completion-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Completion Report. + + [**Appendix H-3: UAD Compliance Rules – Completion Report**](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Completion Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + + + [**UAD 3.6 Subschema Zip File**](/media/document/zip/uad-36-schema-zip-file) + + The UAD documentation leverages the MISMO Version 3.6. The GSEs have created a Subschema that contains only the data elements needed to support the UAD 3.6 specification and includes additional enforcement. + + + + ## Now Showing: UAD - The Movie + + Learn more about how this multi-year project will enhance appraisal data quality and consistency. + + [Watch Video](https://youtu.be/A-7GhWtLLBo) + + [See Infographic](/media/document/pdf/uad-infographic) + + ![image](/sites/g/files/koqyhd181/files/styles/scale_2000/public/2021-01/uad_promo_video_thumbnail.png?itok=wv0ADQkJ) + + ## []()**UAD 2.6 and Resources** + + ##### Legacy Documentation + + The forms and mapping below support the current UAD. See UAD documentation above for UAD 3.6 documents. + +- [UAD 2.6 FAQs](/media/document/pdf/faqs-uniform-appraisal-dataset-uad) +- [Legacy UAD Compliance Rules](/media/document/xls/uad-compliance-rules) +- [Legacy UAD Specification Guide](/media/document/pdf/uad-specification-guide) +- [Legacy UAD Specification: Appendix A | GSE Appraisal Forms Mapping (.pdf)](/media/document/pdf/uad-specification-appendix-gse-appraisal-forms-mapping) +- [Legacy UAD Specification: Appendix B | GSE Appraisal Forms Mapping (.xls)](/media/document/xlsx/uad-specification-appendix-b-gse-appraisal-forms-mapping-xls) +- [Legacy UAD Specification: Appendix C | Appraisal Forms with Numbered Fields](/media/document/zip/uad-specification-appendix-c-appraisal-forms-numbered-fields) +- [Legacy UAD Specification: Appendix D | Field-Specific Standardization Requirements](/media/document/pdf/uad-specification-appendix-d-field-specific-standardization-requirements) + + ##### Related Links + + - [Appraisers](/learning-center/applications/appraisers-property-underwriting) + - [Technology Integration](/technology-integration/technology-integration-resources) + - [UMDP Disclaimer and Limitation on Liability](/media/document/pdf/umdp-disclaimer-and-limitation-liability) + - [Uniform Mortgage Data Program (UMDP](/delivering/uniform-mortgage-data-program)[)](/node/2811) + + ##### Related Applications + + - [Collateral Underwriter® (CU®)](/applications-technology/collateral-underwriter) + - [Uniform Collateral Data Portal® (UCDP®)](/applications-technology/uniform-collateral-data-portal) + + campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } }); + + + + ![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) + + ### Have questions? + + Get answers to your policy and guide questions, straight from the source. + + [Get Started **](/applications-technology/ask-poli) + + ###### Work with Fannie Mae + + - [Customer Login](/saml/login) + - [Password Reset](https://passwordreset.fanniemae.com/) + - [Not a customer? 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atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } .fm-search__form-block--header.is-open { transform: inherit; opacity: 1; display: block; } .fm-search__form-block--header { transform: translateY(-20px); transition: all 0.4s ease-in-out; opacity: 0; z-index: -1; } .fm-search__form-block--header.container { position: relative; padding: 0; max-width: 100%; } atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(clear-icon):hover { color: #1c6fa3; } atomic-search-interface#search-interface-search-bar.guide atomic-search-box::part(clear-button) { margin-top: -8px; margin-right: 10px; } + + + + []() + + - [Home](/) + - [Delivering](/delivering) + - [Uniform Mortgage Data Program](/delivering/uniform-mortgage-data-program) + - Uniform Appraisal Dataset + + Delivering + + # Uniform Appraisal Dataset + + Improving the quality and consistency of appraisal data + + Fannie Mae and Freddie Mac (the GSEs) have worked on the UAD redesign since 2018, leveraging extensive stakeholder input to update the appraisal dataset, align it with current mortgage industry data standards (MISMO® v3.6), and replace the GSE appraisal forms with a single data-driven, flexible, and dynamic appraisal report for any residential property type. To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources below. + + **Coming soon: accessory dwelling unit (ADU) and manufactured housing (MH) financing opportunities for UAD 3.6 users** + +Meet the growing demand for flexible housing options with expanded MH and ADU policy updates. These updates will be available in Desktop Underwriter® on Mar. 31, 2026 – prepare now for your transition to the new UAD. + +[Check out the update](/media/document/pdf/announcement-sel-2025-10-selling-guide-updates) + + ![image](/sites/g/files/koqyhd181/files/icons/2025-04/3%20people%20talking.svg) + + [Announcements](#uad-announcements) + + ![image](/sites/g/files/koqyhd181/files/icons/2025-04/plug.svg) + + [Get Started with UAD 3.6](#uad-36-resources) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/fact-sheet.svg) + + [UAD 3.6 Documentation](#uad-documentation) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/technology.svg) + + [UAD 2.6 and Resources](#uad-26-resources) + + #### Lender Preparedness Webinar Recording + + []() × + + > *[Iframe content not accessible: https://fanniemae.qumucloud.com/view/XircO1Beu7xameqeTvQnay?&autoplay=0]* + + ![image](https://fanniemae.qumucloud.com/kulu/XircO1Beu7xameqeTvQnay/thumbnail) + + ![image](/sites/g/files/koqyhd181/files/2021-05/UMDP%20logo%20May%202021.png) + + + + ## []()Announcements + + ### + + Available Now in Broad Production: UAD 3.6 and Forms Redesign: Jan. 26, 2026 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign Broad Production Period begins today, January 26, 2026. All lenders are now permitted to submit UAD 3.6 appraisal reports to the Uniform Collateral Data Portal® (UCDP®). + +Submission of UAD 3.6 appraisal reports is not yet mandatory; however, lenders that have updated their systems and processes to support UAD 3.6 appraisal reports – including working with an[appraisal software provider](/integrated-vendor-list) whose software has been verified for UAD 3.6 – are encouraged to begin integrating appraisal reports that use UAD 3.6 into their workflow. Gradually integrating UAD 3.6 appraisal reports will help lenders prepare for a full transition by November 2, 2026 mandate, when all appraisal reports on loans sold to Freddie Mac or Fannie Mae must use UAD 3.6. + +To learn more about the UAD 3.6 and Forms Redesign, visit the[Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and UAD webpages. If you have questions, please contact your GSE representative. + + UAD 3.6 and Forms Redesign: Inspection and Reporting Tips: Oct. 21, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team created the [UAD Inspection and Reporting Tips](/media/document/pdf/uad-36-inspection-and-reporting-tips) document to highlight notable differences in information collected between the legacy forms (UAD 2.6) and the redesigned URAR (UAD 3.6). + +Appraisers can use the Inspection and Reporting Tips document as a job aid when completing appraisal assignments using UAD 3.6. It focuses on new information requirements when physically inspecting the property or when researching property information and completing the URAR. + +Visit the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and webpages to view all UAD resources. + + UAD 3.6 Compliance Rules Update - URAR, Restricted Appraisal Update Report, and Completion Report: Sept. 16, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team has updated the UAD Compliance Rules for the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and Completion Report. + +**Summary of Changes** + +- **Severity Level Changes:**Effective January 26, 2026, the severity level for certain rules applicable to the Restricted Appraisal Update Report and Completion Report will be updated. For details, see [Appendix H-2](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) and [Appendix H-3](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) on the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) UAD webpages. With the implementation of UAD 3.6, Restricted Appraisal Update Reports and Completion Reports must be submitted to the Uniform Collateral Data Portal® (UCDP®) as referenced in Fannie Mae’s [*Selling Guide* Supplement: UAD 3.6 Policy](/media/document/pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy) and Freddie Mac’s*Single-Family Seller/Servicer Guide* (Guide)[Bulletin 2025-7](https://guide.freddiemac.com/app/guide/bulletin/2025-7). +- **URAR:**Note update to one rule – see [Appendix H-1](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar). +If you have questions, please contact your GSE account representative. + + Available Now in Limited Production: UAD 3.6 and Forms Redesign: Sept. 8, 2025 + + After over five years of preparation, the Limited Production Period for the Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign is finally here! This period innovates the appraisal space with improved data standardization, a simplified review process, and dynamic reporting. Fannie Mae and Freddie Mac (the GSEs) have completed their system and policy updates and are ready to work with lenders and appraisal software vendors to implement UAD 3.6. + +Participating in the Limited Production Period offers lenders an opportunity to experience the new UAD and redesigned Uniform Residential Appraisal Report (URAR) in their production environment with hands-on, high-touch support from the GSEs. + +Lenders, appraisal software vendors, and their partners may have different timelines for adopting the new UAD and redesigned URAR. As industry participants become ready, the GSEs will continue to work with them to implement new technologies and processes, supporting a smooth transition to these transformational appraisal enhancements. + +Even if lenders aren’t planning to participate in the Limited Production Period, they’re encouraged to start planning and preparing for their UAD transition now.***Lenders should take these steps:*** + +- Visit the[Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad)and[Fannie Mae](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) UAD webpages to access valuable resources. +- Review the [UAD timeline](/media/document/pdf/uad-and-forms-redesign-timeline). +- Access the [UAD Lender Readiness Kit](/media/document/pdf/uad-lender-readiness-kit)and [Limited Production Lender Readiness Questionnaire](/media/document/pdf/uad-lender-readiness-questionnaire) and use them as a roadmap for planning. +- Take the [industry training](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html). + + [View all announcements](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset/uniform-appraisal-dataset-announcements) + + ## []()Get started with UAD 3.6 + + ### + + ##### UAD 3.6 Selling Guide Supplement + + Access UAD 3.6-specific policy. UAD 2.6 users should refer to the Fannie Mae Selling Guide. + + [Learn more **](/media/42571/display) + + ##### UAD and Forms Redesign Timeline + + Detailed timeline outlines specific dates for each implementation phase to help the industry prepare. + + [Learn More **](https://singlefamily.fanniemae.com/media/25391/display) + + ##### Industry Training for the New UAD and URAR + + New URAR course educates industry on the dynamic appraisal reports and updated dataset. + + [Learn More **](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html) + + ##### Lender Readiness Kit + + This document helps lenders prepare for and adopt the updated UAD and retire the existing appraisal forms. It offers timelines and roadmaps to keep lenders on track, and additional resources to learn more along the way. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-kit) + + ##### Functioning without Form Numbers: Mapping Legacy Forms to the Redesigned URAR + + Helps the transition to the new report by providing clarification on how existing appraisal form numbers map to the URAR’s new dynamic structure and discrete and repeatable data. + + [Learm More **](https://singlefamily.fanniemae.com/media/document/pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type) + + ##### Frequently Asked Questions + + Provides answers to common questions about the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/23286/display) + + ##### Limited Production Period Overview + + Guidelines to aid lenders in preparing for the Limited Production Period of the UAD 3.6 and Forms Redesign Initiative. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-limited-production-readiness-overview) + + ##### Limited Production Period Lender Readiness Questionnaire + + Must be completed by lenders who are seeking approval to participate in the UAD 3.6 and Forms Redesign Limited Production Period. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-questionnaire) + + ##### Combined Sample Scenarios + + Appendix D sample scenarios, combined into a single PDF to make it easier to access and review them. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/sample-scenario-pdf) + + ##### Condition and Quality Rating Definitions PDF + + PDF of previously published definitions of Condition and Quality Ratings from Appendix F-1: URAR Reference Guide. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/condition-and-quality-rating-definitions-pdf) + + ##### Partner Playbook + + Designed to help industry partners prepare for the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/34686/display) + + ##### Servicer Preparedness + + Prepares servicers for the transition for UAD 3.6. + + [Learn More **](/media/document/pdf/uniform-appraisal-dataset-faqs-servicers) + + ##### Inspection and Reporting Tips + + Appraisers, education providers, and software vendors should review this document to understand key differences between UAD 2.6 and UAD 3.6 + + [Learn more **](/media/43946/display) + + + + ** + + ** + + /* Carousel Content Title */ .carousel--controls-visible .carousel--card__title{margin-left: 2.5%; margin-bottom: 32px!important;} @media(min-width: 800px){ .carousel--controls-visible .carousel--card__title{margin-left: 54px;} } /** START - Carousel Content **/ .carousel--controls-visible .carousel__wrapper{display: flex; flex-direction: column; padding-bottom: 10px;} @media(min-width: 1120px){ .carousel--controls-visible .carousel__wrapper{padding-bottom: 40px;} } .carousel--controls-visible .carousel__wrapper .slick-list, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide > div:first-child, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item .card{height: 100%;} .carousel--controls-visible .carousel__wrapper .slick-list{display: grid;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__description{margin-bottom: 35px;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__link-wrapper{bottom: 0; position: relative; margin-top: auto;} /** END - Carousel Content **/ /* Carousel Content Nav Dots */ .carousel--controls-visible .carousel__wrapper .carousel-indicators .slick-dots{padding-left: 0;} /* START - Carousel Link */ .carousel--controls-visible .carousel__link-wrapper{margin-left: 2.5%; margin-top: 80px;} @media(min-width: 800px){ .carousel--controls-visible .carousel__link-wrapper{margin-left: 54px; margin-top: 80px;} } @media(min-width: 1120px){ .carousel--controls-visible .carousel__link-wrapper{margin-top: 40px;} } .carousel--controls-visible .carousel__link-wrapper .carousel__link{margin-left: 0;} /* END - Carousel Link */ /* Carousel White Card with Border */ .carousel--white .card{width: calc(100% - 2px);} @media(min-width: 768px){ .carousel--white .card{width: auto;} } ## []()**UAD 3.6 Documentation** + +The following UAD 3.6 resources provide the actionable documentation needed to translate the data entered on the report into the format required for submission via the UCDP. See below for legacy UAD resources. + + ### + + - Uniform Residential Appraisal Report + - Restricted Appraisal Update Report + - Completion Report + [**Appendix A-1: URAR Delivery Specification**](/media/document/xlsx/appendix-1-urar-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-1: URAR Implementation Guide**](/media/document/zip/appendix-b-1-urar-implementation-guide) + + This zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids and provide guidance for creating the user interface. + + [**Appendix C-1: URAR Layout**](/media/document/zip/appendix-c-1-urar-layout) + + This zip file contains the URAR with Report Field IDs document and the URAR without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality. + + [**Appendix D-1: URAR Sample Scenarios and XML Files**](/media/document/zip/appendix-d-1-urar-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-1: URAR Reference Guide**](/media/document/zip/appendix-f-1-urar-reference-guide) + + This zip file contains the URAR Reference Guide and its supplement. The Reference Guide provides guidance on how to enter information and how the data will be displayed in the URAR. The supplement summarizes information about the Comparable Grids. + + [**Appendix G-1: Redesign to Legacy UAD Cross Reference Guide**](/media/document/xlsx/appendix-g-1-redesign-legacy-uad-cross-reference-guide) + + This document contains the data points, enumerations, and xPaths of the redesigned UAD mapped to existing data elements in the Legacy UAD dataset. + + [**Appendix H-1: UAD Compliance Rules-URAR**](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Delivery Specification. These rules verify data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-2: Restricted Appraisal Update Report Delivery Specification**](/media/document/xlsx/appendix-2-restricted-appraisal-update-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-2: Restricted Appraisal Update Report Implementation Guide**](/media/document/pdf/appendix-b-2-restricted-appraisal-update-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-2: Restricted Appraisal Update Report Layout**](/media/document/zip/appendix-c-2-restricted-appraisal-update-report-layout) + + This zip file contains the Restricted Appraisal Update Report with Report Field IDs document and the Restricted Appraisal Update Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Restricted Appraisal Update Report, regardless of conditionality. + + [**Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File**](/media/document/zip/appendix-d-2-restricted-appraisal-update-report-sample-scenario-and-xml-file) + + This zip file contains an example scenario, accompanying XML, and a document that summarizes the scenario, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-2: Restricted Appraisal Update Report Reference Guide**](/media/document/pdf/appendix-f-2-restricted-appraisal-update-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report. + + [**Appendix H-2: UAD Compliance Rules – Restricted Appraisal Update Report**](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Restricted Appraisal Update Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-3: Completion Report Delivery Specification**](/media/document/xlsx/appendix-3-completion-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-3: Completion Report Implementation Guide**](/media/document/pdf/appendix-b-3-completion-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-3: Completion Report Layout**](/media/document/zip/appendix-c-3-completion-report-layout) + + This zip file contains the Completion Report with Report Field IDs document and the Completion Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Completion Report, regardless of conditionality. + + [**Appendix D-3: Completion Report Sample Scenarios and XML Files**](/media/document/zip/appendix-d-3-completion-report-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-3: Completion Report Reference Guide**](/media/document/pdf/appendix-f-3-completion-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Completion Report. + + [**Appendix H-3: UAD Compliance Rules – Completion Report**](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Completion Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + + + [**UAD 3.6 Subschema Zip File**](/media/document/zip/uad-36-schema-zip-file) + + The UAD documentation leverages the MISMO Version 3.6. The GSEs have created a Subschema that contains only the data elements needed to support the UAD 3.6 specification and includes additional enforcement. + + + + ## Now Showing: UAD - The Movie + + Learn more about how this multi-year project will enhance appraisal data quality and consistency. + + [Watch Video](https://youtu.be/A-7GhWtLLBo) + + [See Infographic](/media/document/pdf/uad-infographic) + + ![image](/sites/g/files/koqyhd181/files/styles/scale_2000/public/2021-01/uad_promo_video_thumbnail.png?itok=wv0ADQkJ) + + ## []()**UAD 2.6 and Resources** + + ##### Legacy Documentation + + The forms and mapping below support the current UAD. See UAD documentation above for UAD 3.6 documents. + +- [UAD 2.6 FAQs](/media/document/pdf/faqs-uniform-appraisal-dataset-uad) +- [Legacy UAD Compliance Rules](/media/document/xls/uad-compliance-rules) +- [Legacy UAD Specification Guide](/media/document/pdf/uad-specification-guide) +- [Legacy UAD Specification: Appendix A | GSE Appraisal Forms Mapping (.pdf)](/media/document/pdf/uad-specification-appendix-gse-appraisal-forms-mapping) +- [Legacy UAD Specification: Appendix B | GSE Appraisal Forms Mapping (.xls)](/media/document/xlsx/uad-specification-appendix-b-gse-appraisal-forms-mapping-xls) +- [Legacy UAD Specification: Appendix C | Appraisal Forms with Numbered Fields](/media/document/zip/uad-specification-appendix-c-appraisal-forms-numbered-fields) +- [Legacy UAD Specification: Appendix D | Field-Specific Standardization Requirements](/media/document/pdf/uad-specification-appendix-d-field-specific-standardization-requirements) + + ##### Related Links + + - [Appraisers](/learning-center/applications/appraisers-property-underwriting) + - [Technology Integration](/technology-integration/technology-integration-resources) + - [UMDP Disclaimer and Limitation on Liability](/media/document/pdf/umdp-disclaimer-and-limitation-liability) + - [Uniform Mortgage Data Program (UMDP](/delivering/uniform-mortgage-data-program)[)](/node/2811) + + ##### Related Applications + + - [Collateral Underwriter® (CU®)](/applications-technology/collateral-underwriter) + - [Uniform Collateral Data Portal® (UCDP®)](/applications-technology/uniform-collateral-data-portal) + + campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } }); + + + + ![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) + + ### Have questions? + + Get answers to your policy and guide questions, straight from the source. + + [Get Started **](/applications-technology/ask-poli) + + ###### Work with Fannie Mae + + - [Customer Login](/saml/login) + - [Password Reset](https://passwordreset.fanniemae.com/) + - [Not a customer? 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atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } .fm-search__form-block--header.is-open { transform: inherit; opacity: 1; display: block; } .fm-search__form-block--header { transform: translateY(-20px); transition: all 0.4s ease-in-out; opacity: 0; z-index: -1; } .fm-search__form-block--header.container { position: relative; padding: 0; max-width: 100%; } atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(clear-icon):hover { color: #1c6fa3; } atomic-search-interface#search-interface-search-bar.guide atomic-search-box::part(clear-button) { margin-top: -8px; margin-right: 10px; } + + + + []() + + - [Home](/) + - [Delivering](/delivering) + - [Uniform Mortgage Data Program](/delivering/uniform-mortgage-data-program) + - Uniform Appraisal Dataset + + Delivering + + # Uniform Appraisal Dataset + + Improving the quality and consistency of appraisal data + + Fannie Mae and Freddie Mac (the GSEs) have worked on the UAD redesign since 2018, leveraging extensive stakeholder input to update the appraisal dataset, align it with current mortgage industry data standards (MISMO® v3.6), and replace the GSE appraisal forms with a single data-driven, flexible, and dynamic appraisal report for any residential property type. To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources below. + + **Coming soon: accessory dwelling unit (ADU) and manufactured housing (MH) financing opportunities for UAD 3.6 users** + +Meet the growing demand for flexible housing options with expanded MH and ADU policy updates. These updates will be available in Desktop Underwriter® on Mar. 31, 2026 – prepare now for your transition to the new UAD. + +[Check out the update](/media/document/pdf/announcement-sel-2025-10-selling-guide-updates) + + ![image](/sites/g/files/koqyhd181/files/icons/2025-04/3%20people%20talking.svg) + + [Announcements](#uad-announcements) + + ![image](/sites/g/files/koqyhd181/files/icons/2025-04/plug.svg) + + [Get Started with UAD 3.6](#uad-36-resources) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/fact-sheet.svg) + + [UAD 3.6 Documentation](#uad-documentation) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/technology.svg) + + [UAD 2.6 and Resources](#uad-26-resources) + + #### Lender Preparedness Webinar Recording + + []() × + + > *[Iframe content not accessible: https://fanniemae.qumucloud.com/view/XircO1Beu7xameqeTvQnay?&autoplay=0]* + + ![image](https://fanniemae.qumucloud.com/kulu/XircO1Beu7xameqeTvQnay/thumbnail) + + ![image](/sites/g/files/koqyhd181/files/2021-05/UMDP%20logo%20May%202021.png) + + + + ## []()Announcements + + ### + + Available Now in Broad Production: UAD 3.6 and Forms Redesign: Jan. 26, 2026 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign Broad Production Period begins today, January 26, 2026. All lenders are now permitted to submit UAD 3.6 appraisal reports to the Uniform Collateral Data Portal® (UCDP®). + +Submission of UAD 3.6 appraisal reports is not yet mandatory; however, lenders that have updated their systems and processes to support UAD 3.6 appraisal reports – including working with an[appraisal software provider](/integrated-vendor-list) whose software has been verified for UAD 3.6 – are encouraged to begin integrating appraisal reports that use UAD 3.6 into their workflow. Gradually integrating UAD 3.6 appraisal reports will help lenders prepare for a full transition by November 2, 2026 mandate, when all appraisal reports on loans sold to Freddie Mac or Fannie Mae must use UAD 3.6. + +To learn more about the UAD 3.6 and Forms Redesign, visit the[Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and UAD webpages. If you have questions, please contact your GSE representative. + + UAD 3.6 and Forms Redesign: Inspection and Reporting Tips: Oct. 21, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team created the [UAD Inspection and Reporting Tips](/media/document/pdf/uad-36-inspection-and-reporting-tips) document to highlight notable differences in information collected between the legacy forms (UAD 2.6) and the redesigned URAR (UAD 3.6). + +Appraisers can use the Inspection and Reporting Tips document as a job aid when completing appraisal assignments using UAD 3.6. It focuses on new information requirements when physically inspecting the property or when researching property information and completing the URAR. + +Visit the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and webpages to view all UAD resources. + + UAD 3.6 Compliance Rules Update - URAR, Restricted Appraisal Update Report, and Completion Report: Sept. 16, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team has updated the UAD Compliance Rules for the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and Completion Report. + +**Summary of Changes** + +- **Severity Level Changes:**Effective January 26, 2026, the severity level for certain rules applicable to the Restricted Appraisal Update Report and Completion Report will be updated. For details, see [Appendix H-2](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) and [Appendix H-3](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) on the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) UAD webpages. With the implementation of UAD 3.6, Restricted Appraisal Update Reports and Completion Reports must be submitted to the Uniform Collateral Data Portal® (UCDP®) as referenced in Fannie Mae’s [*Selling Guide* Supplement: UAD 3.6 Policy](/media/document/pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy) and Freddie Mac’s*Single-Family Seller/Servicer Guide* (Guide)[Bulletin 2025-7](https://guide.freddiemac.com/app/guide/bulletin/2025-7). +- **URAR:**Note update to one rule – see [Appendix H-1](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar). +If you have questions, please contact your GSE account representative. + + Available Now in Limited Production: UAD 3.6 and Forms Redesign: Sept. 8, 2025 + + After over five years of preparation, the Limited Production Period for the Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign is finally here! This period innovates the appraisal space with improved data standardization, a simplified review process, and dynamic reporting. Fannie Mae and Freddie Mac (the GSEs) have completed their system and policy updates and are ready to work with lenders and appraisal software vendors to implement UAD 3.6. + +Participating in the Limited Production Period offers lenders an opportunity to experience the new UAD and redesigned Uniform Residential Appraisal Report (URAR) in their production environment with hands-on, high-touch support from the GSEs. + +Lenders, appraisal software vendors, and their partners may have different timelines for adopting the new UAD and redesigned URAR. As industry participants become ready, the GSEs will continue to work with them to implement new technologies and processes, supporting a smooth transition to these transformational appraisal enhancements. + +Even if lenders aren’t planning to participate in the Limited Production Period, they’re encouraged to start planning and preparing for their UAD transition now.***Lenders should take these steps:*** + +- Visit the[Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad)and[Fannie Mae](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) UAD webpages to access valuable resources. +- Review the [UAD timeline](/media/document/pdf/uad-and-forms-redesign-timeline). +- Access the [UAD Lender Readiness Kit](/media/document/pdf/uad-lender-readiness-kit)and [Limited Production Lender Readiness Questionnaire](/media/document/pdf/uad-lender-readiness-questionnaire) and use them as a roadmap for planning. +- Take the [industry training](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html). + + [View all announcements](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset/uniform-appraisal-dataset-announcements) + + ## []()Get started with UAD 3.6 + + ### + + ##### UAD 3.6 Selling Guide Supplement + + Access UAD 3.6-specific policy. UAD 2.6 users should refer to the Fannie Mae Selling Guide. + + [Learn more **](/media/42571/display) + + ##### UAD and Forms Redesign Timeline + + Detailed timeline outlines specific dates for each implementation phase to help the industry prepare. + + [Learn More **](https://singlefamily.fanniemae.com/media/25391/display) + + ##### Industry Training for the New UAD and URAR + + New URAR course educates industry on the dynamic appraisal reports and updated dataset. + + [Learn More **](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html) + + ##### Lender Readiness Kit + + This document helps lenders prepare for and adopt the updated UAD and retire the existing appraisal forms. It offers timelines and roadmaps to keep lenders on track, and additional resources to learn more along the way. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-kit) + + ##### Functioning without Form Numbers: Mapping Legacy Forms to the Redesigned URAR + + Helps the transition to the new report by providing clarification on how existing appraisal form numbers map to the URAR’s new dynamic structure and discrete and repeatable data. + + [Learm More **](https://singlefamily.fanniemae.com/media/document/pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type) + + ##### Frequently Asked Questions + + Provides answers to common questions about the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/23286/display) + + ##### Limited Production Period Overview + + Guidelines to aid lenders in preparing for the Limited Production Period of the UAD 3.6 and Forms Redesign Initiative. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-limited-production-readiness-overview) + + ##### Limited Production Period Lender Readiness Questionnaire + + Must be completed by lenders who are seeking approval to participate in the UAD 3.6 and Forms Redesign Limited Production Period. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-questionnaire) + + ##### Combined Sample Scenarios + + Appendix D sample scenarios, combined into a single PDF to make it easier to access and review them. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/sample-scenario-pdf) + + ##### Condition and Quality Rating Definitions PDF + + PDF of previously published definitions of Condition and Quality Ratings from Appendix F-1: URAR Reference Guide. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/condition-and-quality-rating-definitions-pdf) + + ##### Partner Playbook + + Designed to help industry partners prepare for the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/34686/display) + + ##### Servicer Preparedness + + Prepares servicers for the transition for UAD 3.6. + + [Learn More **](/media/document/pdf/uniform-appraisal-dataset-faqs-servicers) + + ##### Inspection and Reporting Tips + + Appraisers, education providers, and software vendors should review this document to understand key differences between UAD 2.6 and UAD 3.6 + + [Learn more **](/media/43946/display) + + + + ** + + ** + + /* Carousel Content Title */ .carousel--controls-visible .carousel--card__title{margin-left: 2.5%; margin-bottom: 32px!important;} @media(min-width: 800px){ .carousel--controls-visible .carousel--card__title{margin-left: 54px;} } /** START - Carousel Content **/ .carousel--controls-visible .carousel__wrapper{display: flex; flex-direction: column; padding-bottom: 10px;} @media(min-width: 1120px){ .carousel--controls-visible .carousel__wrapper{padding-bottom: 40px;} } .carousel--controls-visible .carousel__wrapper .slick-list, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide > div:first-child, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item .card{height: 100%;} .carousel--controls-visible .carousel__wrapper .slick-list{display: grid;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__description{margin-bottom: 35px;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__link-wrapper{bottom: 0; position: relative; margin-top: auto;} /** END - Carousel Content **/ /* Carousel Content Nav Dots */ .carousel--controls-visible .carousel__wrapper .carousel-indicators .slick-dots{padding-left: 0;} /* START - Carousel Link */ .carousel--controls-visible .carousel__link-wrapper{margin-left: 2.5%; margin-top: 80px;} @media(min-width: 800px){ .carousel--controls-visible .carousel__link-wrapper{margin-left: 54px; margin-top: 80px;} } @media(min-width: 1120px){ .carousel--controls-visible .carousel__link-wrapper{margin-top: 40px;} } .carousel--controls-visible .carousel__link-wrapper .carousel__link{margin-left: 0;} /* END - Carousel Link */ /* Carousel White Card with Border */ .carousel--white .card{width: calc(100% - 2px);} @media(min-width: 768px){ .carousel--white .card{width: auto;} } ## []()**UAD 3.6 Documentation** + +The following UAD 3.6 resources provide the actionable documentation needed to translate the data entered on the report into the format required for submission via the UCDP. See below for legacy UAD resources. + + ### + + - Uniform Residential Appraisal Report + - Restricted Appraisal Update Report + - Completion Report + [**Appendix A-1: URAR Delivery Specification**](/media/document/xlsx/appendix-1-urar-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-1: URAR Implementation Guide**](/media/document/zip/appendix-b-1-urar-implementation-guide) + + This zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids and provide guidance for creating the user interface. + + [**Appendix C-1: URAR Layout**](/media/document/zip/appendix-c-1-urar-layout) + + This zip file contains the URAR with Report Field IDs document and the URAR without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality. + + [**Appendix D-1: URAR Sample Scenarios and XML Files**](/media/document/zip/appendix-d-1-urar-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-1: URAR Reference Guide**](/media/document/zip/appendix-f-1-urar-reference-guide) + + This zip file contains the URAR Reference Guide and its supplement. The Reference Guide provides guidance on how to enter information and how the data will be displayed in the URAR. The supplement summarizes information about the Comparable Grids. + + [**Appendix G-1: Redesign to Legacy UAD Cross Reference Guide**](/media/document/xlsx/appendix-g-1-redesign-legacy-uad-cross-reference-guide) + + This document contains the data points, enumerations, and xPaths of the redesigned UAD mapped to existing data elements in the Legacy UAD dataset. + + [**Appendix H-1: UAD Compliance Rules-URAR**](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Delivery Specification. These rules verify data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-2: Restricted Appraisal Update Report Delivery Specification**](/media/document/xlsx/appendix-2-restricted-appraisal-update-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-2: Restricted Appraisal Update Report Implementation Guide**](/media/document/pdf/appendix-b-2-restricted-appraisal-update-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-2: Restricted Appraisal Update Report Layout**](/media/document/zip/appendix-c-2-restricted-appraisal-update-report-layout) + + This zip file contains the Restricted Appraisal Update Report with Report Field IDs document and the Restricted Appraisal Update Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Restricted Appraisal Update Report, regardless of conditionality. + + [**Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File**](/media/document/zip/appendix-d-2-restricted-appraisal-update-report-sample-scenario-and-xml-file) + + This zip file contains an example scenario, accompanying XML, and a document that summarizes the scenario, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-2: Restricted Appraisal Update Report Reference Guide**](/media/document/pdf/appendix-f-2-restricted-appraisal-update-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report. + + [**Appendix H-2: UAD Compliance Rules – Restricted Appraisal Update Report**](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Restricted Appraisal Update Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-3: Completion Report Delivery Specification**](/media/document/xlsx/appendix-3-completion-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-3: Completion Report Implementation Guide**](/media/document/pdf/appendix-b-3-completion-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-3: Completion Report Layout**](/media/document/zip/appendix-c-3-completion-report-layout) + + This zip file contains the Completion Report with Report Field IDs document and the Completion Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Completion Report, regardless of conditionality. + + [**Appendix D-3: Completion Report Sample Scenarios and XML Files**](/media/document/zip/appendix-d-3-completion-report-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-3: Completion Report Reference Guide**](/media/document/pdf/appendix-f-3-completion-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Completion Report. + + [**Appendix H-3: UAD Compliance Rules – Completion Report**](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Completion Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + + + [**UAD 3.6 Subschema Zip File**](/media/document/zip/uad-36-schema-zip-file) + + The UAD documentation leverages the MISMO Version 3.6. The GSEs have created a Subschema that contains only the data elements needed to support the UAD 3.6 specification and includes additional enforcement. + + + + ## Now Showing: UAD - The Movie + + Learn more about how this multi-year project will enhance appraisal data quality and consistency. + + [Watch Video](https://youtu.be/A-7GhWtLLBo) + + [See Infographic](/media/document/pdf/uad-infographic) + + ![image](/sites/g/files/koqyhd181/files/styles/scale_2000/public/2021-01/uad_promo_video_thumbnail.png?itok=wv0ADQkJ) + + ## []()**UAD 2.6 and Resources** + + ##### Legacy Documentation + + The forms and mapping below support the current UAD. See UAD documentation above for UAD 3.6 documents. + +- [UAD 2.6 FAQs](/media/document/pdf/faqs-uniform-appraisal-dataset-uad) +- [Legacy UAD Compliance Rules](/media/document/xls/uad-compliance-rules) +- [Legacy UAD Specification Guide](/media/document/pdf/uad-specification-guide) +- [Legacy UAD Specification: Appendix A | GSE Appraisal Forms Mapping (.pdf)](/media/document/pdf/uad-specification-appendix-gse-appraisal-forms-mapping) +- [Legacy UAD Specification: Appendix B | GSE Appraisal Forms Mapping (.xls)](/media/document/xlsx/uad-specification-appendix-b-gse-appraisal-forms-mapping-xls) +- [Legacy UAD Specification: Appendix C | Appraisal Forms with Numbered Fields](/media/document/zip/uad-specification-appendix-c-appraisal-forms-numbered-fields) +- [Legacy UAD Specification: Appendix D | Field-Specific Standardization Requirements](/media/document/pdf/uad-specification-appendix-d-field-specific-standardization-requirements) + + ##### Related Links + + - [Appraisers](/learning-center/applications/appraisers-property-underwriting) + - [Technology Integration](/technology-integration/technology-integration-resources) + - [UMDP Disclaimer and Limitation on Liability](/media/document/pdf/umdp-disclaimer-and-limitation-liability) + - [Uniform Mortgage Data Program (UMDP](/delivering/uniform-mortgage-data-program)[)](/node/2811) + + ##### Related Applications + + - [Collateral Underwriter® (CU®)](/applications-technology/collateral-underwriter) + - [Uniform Collateral Data Portal® (UCDP®)](/applications-technology/uniform-collateral-data-portal) + + campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } }); + + + + ![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) + + ### Have questions? + + Get answers to your policy and guide questions, straight from the source. + + [Get Started **](/applications-technology/ask-poli) + + ###### Work with Fannie Mae + + - [Customer Login](/saml/login) + - [Password Reset](https://passwordreset.fanniemae.com/) + - [Not a customer? 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atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } .fm-search__form-block--header.is-open { transform: inherit; opacity: 1; display: block; } .fm-search__form-block--header { transform: translateY(-20px); transition: all 0.4s ease-in-out; opacity: 0; z-index: -1; } .fm-search__form-block--header.container { position: relative; padding: 0; max-width: 100%; } atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(clear-icon):hover { color: #1c6fa3; } atomic-search-interface#search-interface-search-bar.guide atomic-search-box::part(clear-button) { margin-top: -8px; margin-right: 10px; } + + + + []() + + - [Home](/) + - [Delivering](/delivering) + - [Uniform Mortgage Data Program](/delivering/uniform-mortgage-data-program) + - Uniform Appraisal Dataset + + Delivering + + # Uniform Appraisal Dataset + + Improving the quality and consistency of appraisal data + + Fannie Mae and Freddie Mac (the GSEs) have worked on the UAD redesign since 2018, leveraging extensive stakeholder input to update the appraisal dataset, align it with current mortgage industry data standards (MISMO® v3.6), and replace the GSE appraisal forms with a single data-driven, flexible, and dynamic appraisal report for any residential property type. To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources below. + + **Coming soon: accessory dwelling unit (ADU) and manufactured housing (MH) financing opportunities for UAD 3.6 users** + +Meet the growing demand for flexible housing options with expanded MH and ADU policy updates. These updates will be available in Desktop Underwriter® on Mar. 31, 2026 – prepare now for your transition to the new UAD. + +[Check out the update](/media/document/pdf/announcement-sel-2025-10-selling-guide-updates) + + ![image](/sites/g/files/koqyhd181/files/icons/2025-04/3%20people%20talking.svg) + + [Announcements](#uad-announcements) + + ![image](/sites/g/files/koqyhd181/files/icons/2025-04/plug.svg) + + [Get Started with UAD 3.6](#uad-36-resources) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/fact-sheet.svg) + + [UAD 3.6 Documentation](#uad-documentation) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/technology.svg) + + [UAD 2.6 and Resources](#uad-26-resources) + + #### Lender Preparedness Webinar Recording + + []() × + + > *[Iframe content not accessible: https://fanniemae.qumucloud.com/view/XircO1Beu7xameqeTvQnay?&autoplay=0]* + + ![image](https://fanniemae.qumucloud.com/kulu/XircO1Beu7xameqeTvQnay/thumbnail) + + ![image](/sites/g/files/koqyhd181/files/2021-05/UMDP%20logo%20May%202021.png) + + + + ## []()Announcements + + ### + + Available Now in Broad Production: UAD 3.6 and Forms Redesign: Jan. 26, 2026 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign Broad Production Period begins today, January 26, 2026. All lenders are now permitted to submit UAD 3.6 appraisal reports to the Uniform Collateral Data Portal® (UCDP®). + +Submission of UAD 3.6 appraisal reports is not yet mandatory; however, lenders that have updated their systems and processes to support UAD 3.6 appraisal reports – including working with an[appraisal software provider](/integrated-vendor-list) whose software has been verified for UAD 3.6 – are encouraged to begin integrating appraisal reports that use UAD 3.6 into their workflow. Gradually integrating UAD 3.6 appraisal reports will help lenders prepare for a full transition by November 2, 2026 mandate, when all appraisal reports on loans sold to Freddie Mac or Fannie Mae must use UAD 3.6. + +To learn more about the UAD 3.6 and Forms Redesign, visit the[Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and UAD webpages. If you have questions, please contact your GSE representative. + + UAD 3.6 and Forms Redesign: Inspection and Reporting Tips: Oct. 21, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team created the [UAD Inspection and Reporting Tips](/media/document/pdf/uad-36-inspection-and-reporting-tips) document to highlight notable differences in information collected between the legacy forms (UAD 2.6) and the redesigned URAR (UAD 3.6). + +Appraisers can use the Inspection and Reporting Tips document as a job aid when completing appraisal assignments using UAD 3.6. It focuses on new information requirements when physically inspecting the property or when researching property information and completing the URAR. + +Visit the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and webpages to view all UAD resources. + + UAD 3.6 Compliance Rules Update - URAR, Restricted Appraisal Update Report, and Completion Report: Sept. 16, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team has updated the UAD Compliance Rules for the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and Completion Report. + +**Summary of Changes** + +- **Severity Level Changes:**Effective January 26, 2026, the severity level for certain rules applicable to the Restricted Appraisal Update Report and Completion Report will be updated. For details, see [Appendix H-2](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) and [Appendix H-3](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) on the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) UAD webpages. With the implementation of UAD 3.6, Restricted Appraisal Update Reports and Completion Reports must be submitted to the Uniform Collateral Data Portal® (UCDP®) as referenced in Fannie Mae’s [*Selling Guide* Supplement: UAD 3.6 Policy](/media/document/pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy) and Freddie Mac’s*Single-Family Seller/Servicer Guide* (Guide)[Bulletin 2025-7](https://guide.freddiemac.com/app/guide/bulletin/2025-7). +- **URAR:**Note update to one rule – see [Appendix H-1](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar). +If you have questions, please contact your GSE account representative. + + Available Now in Limited Production: UAD 3.6 and Forms Redesign: Sept. 8, 2025 + + After over five years of preparation, the Limited Production Period for the Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign is finally here! This period innovates the appraisal space with improved data standardization, a simplified review process, and dynamic reporting. Fannie Mae and Freddie Mac (the GSEs) have completed their system and policy updates and are ready to work with lenders and appraisal software vendors to implement UAD 3.6. + +Participating in the Limited Production Period offers lenders an opportunity to experience the new UAD and redesigned Uniform Residential Appraisal Report (URAR) in their production environment with hands-on, high-touch support from the GSEs. + +Lenders, appraisal software vendors, and their partners may have different timelines for adopting the new UAD and redesigned URAR. As industry participants become ready, the GSEs will continue to work with them to implement new technologies and processes, supporting a smooth transition to these transformational appraisal enhancements. + +Even if lenders aren’t planning to participate in the Limited Production Period, they’re encouraged to start planning and preparing for their UAD transition now.***Lenders should take these steps:*** + +- Visit the[Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad)and[Fannie Mae](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) UAD webpages to access valuable resources. +- Review the [UAD timeline](/media/document/pdf/uad-and-forms-redesign-timeline). +- Access the [UAD Lender Readiness Kit](/media/document/pdf/uad-lender-readiness-kit)and [Limited Production Lender Readiness Questionnaire](/media/document/pdf/uad-lender-readiness-questionnaire) and use them as a roadmap for planning. +- Take the [industry training](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html). + + [View all announcements](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset/uniform-appraisal-dataset-announcements) + + ## []()Get started with UAD 3.6 + + ### + + ##### UAD 3.6 Selling Guide Supplement + + Access UAD 3.6-specific policy. UAD 2.6 users should refer to the Fannie Mae Selling Guide. + + [Learn more **](/media/42571/display) + + ##### UAD and Forms Redesign Timeline + + Detailed timeline outlines specific dates for each implementation phase to help the industry prepare. + + [Learn More **](https://singlefamily.fanniemae.com/media/25391/display) + + ##### Industry Training for the New UAD and URAR + + New URAR course educates industry on the dynamic appraisal reports and updated dataset. + + [Learn More **](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html) + + ##### Lender Readiness Kit + + This document helps lenders prepare for and adopt the updated UAD and retire the existing appraisal forms. It offers timelines and roadmaps to keep lenders on track, and additional resources to learn more along the way. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-kit) + + ##### Functioning without Form Numbers: Mapping Legacy Forms to the Redesigned URAR + + Helps the transition to the new report by providing clarification on how existing appraisal form numbers map to the URAR’s new dynamic structure and discrete and repeatable data. + + [Learm More **](https://singlefamily.fanniemae.com/media/document/pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type) + + ##### Frequently Asked Questions + + Provides answers to common questions about the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/23286/display) + + ##### Limited Production Period Overview + + Guidelines to aid lenders in preparing for the Limited Production Period of the UAD 3.6 and Forms Redesign Initiative. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-limited-production-readiness-overview) + + ##### Limited Production Period Lender Readiness Questionnaire + + Must be completed by lenders who are seeking approval to participate in the UAD 3.6 and Forms Redesign Limited Production Period. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-questionnaire) + + ##### Combined Sample Scenarios + + Appendix D sample scenarios, combined into a single PDF to make it easier to access and review them. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/sample-scenario-pdf) + + ##### Condition and Quality Rating Definitions PDF + + PDF of previously published definitions of Condition and Quality Ratings from Appendix F-1: URAR Reference Guide. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/condition-and-quality-rating-definitions-pdf) + + ##### Partner Playbook + + Designed to help industry partners prepare for the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/34686/display) + + ##### Servicer Preparedness + + Prepares servicers for the transition for UAD 3.6. + + [Learn More **](/media/document/pdf/uniform-appraisal-dataset-faqs-servicers) + + ##### Inspection and Reporting Tips + + Appraisers, education providers, and software vendors should review this document to understand key differences between UAD 2.6 and UAD 3.6 + + [Learn more **](/media/43946/display) + + + + ** + + ** + + /* Carousel Content Title */ .carousel--controls-visible .carousel--card__title{margin-left: 2.5%; margin-bottom: 32px!important;} @media(min-width: 800px){ .carousel--controls-visible .carousel--card__title{margin-left: 54px;} } /** START - Carousel Content **/ .carousel--controls-visible .carousel__wrapper{display: flex; flex-direction: column; padding-bottom: 10px;} @media(min-width: 1120px){ .carousel--controls-visible .carousel__wrapper{padding-bottom: 40px;} } .carousel--controls-visible .carousel__wrapper .slick-list, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide > div:first-child, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item .card{height: 100%;} .carousel--controls-visible .carousel__wrapper .slick-list{display: grid;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__description{margin-bottom: 35px;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__link-wrapper{bottom: 0; position: relative; margin-top: auto;} /** END - Carousel Content **/ /* Carousel Content Nav Dots */ .carousel--controls-visible .carousel__wrapper .carousel-indicators .slick-dots{padding-left: 0;} /* START - Carousel Link */ .carousel--controls-visible .carousel__link-wrapper{margin-left: 2.5%; margin-top: 80px;} @media(min-width: 800px){ .carousel--controls-visible .carousel__link-wrapper{margin-left: 54px; margin-top: 80px;} } @media(min-width: 1120px){ .carousel--controls-visible .carousel__link-wrapper{margin-top: 40px;} } .carousel--controls-visible .carousel__link-wrapper .carousel__link{margin-left: 0;} /* END - Carousel Link */ /* Carousel White Card with Border */ .carousel--white .card{width: calc(100% - 2px);} @media(min-width: 768px){ .carousel--white .card{width: auto;} } ## []()**UAD 3.6 Documentation** + +The following UAD 3.6 resources provide the actionable documentation needed to translate the data entered on the report into the format required for submission via the UCDP. See below for legacy UAD resources. + + ### + + - Uniform Residential Appraisal Report + - Restricted Appraisal Update Report + - Completion Report + [**Appendix A-1: URAR Delivery Specification**](/media/document/xlsx/appendix-1-urar-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-1: URAR Implementation Guide**](/media/document/zip/appendix-b-1-urar-implementation-guide) + + This zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids and provide guidance for creating the user interface. + + [**Appendix C-1: URAR Layout**](/media/document/zip/appendix-c-1-urar-layout) + + This zip file contains the URAR with Report Field IDs document and the URAR without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality. + + [**Appendix D-1: URAR Sample Scenarios and XML Files**](/media/document/zip/appendix-d-1-urar-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-1: URAR Reference Guide**](/media/document/zip/appendix-f-1-urar-reference-guide) + + This zip file contains the URAR Reference Guide and its supplement. The Reference Guide provides guidance on how to enter information and how the data will be displayed in the URAR. The supplement summarizes information about the Comparable Grids. + + [**Appendix G-1: Redesign to Legacy UAD Cross Reference Guide**](/media/document/xlsx/appendix-g-1-redesign-legacy-uad-cross-reference-guide) + + This document contains the data points, enumerations, and xPaths of the redesigned UAD mapped to existing data elements in the Legacy UAD dataset. + + [**Appendix H-1: UAD Compliance Rules-URAR**](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Delivery Specification. These rules verify data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-2: Restricted Appraisal Update Report Delivery Specification**](/media/document/xlsx/appendix-2-restricted-appraisal-update-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-2: Restricted Appraisal Update Report Implementation Guide**](/media/document/pdf/appendix-b-2-restricted-appraisal-update-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-2: Restricted Appraisal Update Report Layout**](/media/document/zip/appendix-c-2-restricted-appraisal-update-report-layout) + + This zip file contains the Restricted Appraisal Update Report with Report Field IDs document and the Restricted Appraisal Update Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Restricted Appraisal Update Report, regardless of conditionality. + + [**Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File**](/media/document/zip/appendix-d-2-restricted-appraisal-update-report-sample-scenario-and-xml-file) + + This zip file contains an example scenario, accompanying XML, and a document that summarizes the scenario, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-2: Restricted Appraisal Update Report Reference Guide**](/media/document/pdf/appendix-f-2-restricted-appraisal-update-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report. + + [**Appendix H-2: UAD Compliance Rules – Restricted Appraisal Update Report**](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Restricted Appraisal Update Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-3: Completion Report Delivery Specification**](/media/document/xlsx/appendix-3-completion-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-3: Completion Report Implementation Guide**](/media/document/pdf/appendix-b-3-completion-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-3: Completion Report Layout**](/media/document/zip/appendix-c-3-completion-report-layout) + + This zip file contains the Completion Report with Report Field IDs document and the Completion Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Completion Report, regardless of conditionality. + + [**Appendix D-3: Completion Report Sample Scenarios and XML Files**](/media/document/zip/appendix-d-3-completion-report-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-3: Completion Report Reference Guide**](/media/document/pdf/appendix-f-3-completion-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Completion Report. + + [**Appendix H-3: UAD Compliance Rules – Completion Report**](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Completion Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + + + [**UAD 3.6 Subschema Zip File**](/media/document/zip/uad-36-schema-zip-file) + + The UAD documentation leverages the MISMO Version 3.6. The GSEs have created a Subschema that contains only the data elements needed to support the UAD 3.6 specification and includes additional enforcement. + + + + ## Now Showing: UAD - The Movie + + Learn more about how this multi-year project will enhance appraisal data quality and consistency. + + [Watch Video](https://youtu.be/A-7GhWtLLBo) + + [See Infographic](/media/document/pdf/uad-infographic) + + ![image](/sites/g/files/koqyhd181/files/styles/scale_2000/public/2021-01/uad_promo_video_thumbnail.png?itok=wv0ADQkJ) + + ## []()**UAD 2.6 and Resources** + + ##### Legacy Documentation + + The forms and mapping below support the current UAD. See UAD documentation above for UAD 3.6 documents. + +- [UAD 2.6 FAQs](/media/document/pdf/faqs-uniform-appraisal-dataset-uad) +- [Legacy UAD Compliance Rules](/media/document/xls/uad-compliance-rules) +- [Legacy UAD Specification Guide](/media/document/pdf/uad-specification-guide) +- [Legacy UAD Specification: Appendix A | GSE Appraisal Forms Mapping (.pdf)](/media/document/pdf/uad-specification-appendix-gse-appraisal-forms-mapping) +- [Legacy UAD Specification: Appendix B | GSE Appraisal Forms Mapping (.xls)](/media/document/xlsx/uad-specification-appendix-b-gse-appraisal-forms-mapping-xls) +- [Legacy UAD Specification: Appendix C | Appraisal Forms with Numbered Fields](/media/document/zip/uad-specification-appendix-c-appraisal-forms-numbered-fields) +- [Legacy UAD Specification: Appendix D | Field-Specific Standardization Requirements](/media/document/pdf/uad-specification-appendix-d-field-specific-standardization-requirements) + + ##### Related Links + + - [Appraisers](/learning-center/applications/appraisers-property-underwriting) + - [Technology Integration](/technology-integration/technology-integration-resources) + - [UMDP Disclaimer and Limitation on Liability](/media/document/pdf/umdp-disclaimer-and-limitation-liability) + - [Uniform Mortgage Data Program (UMDP](/delivering/uniform-mortgage-data-program)[)](/node/2811) + + ##### Related Applications + + - [Collateral Underwriter® (CU®)](/applications-technology/collateral-underwriter) + - [Uniform Collateral Data Portal® (UCDP®)](/applications-technology/uniform-collateral-data-portal) + + campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } }); + + + + ![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) + + ### Have questions? + + Get answers to your policy and guide questions, straight from the source. + + [Get Started **](/applications-technology/ask-poli) + + ###### Work with Fannie Mae + + - [Customer Login](/saml/login) + - [Password Reset](https://passwordreset.fanniemae.com/) + - [Not a customer? 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Insights](https://www.fanniemae.com/data-and-insights/publications/housing-insights) + - [Partner Research](https://www.fanniemae.com/data-and-insights/publications/partner-research) + - [Publications Archive](https://www.fanniemae.com/data-and-insights/publications/publications-archive) + - [Perspectives](https://www.fanniemae.com/data-and-insights/perspectives) Toggle - [Archive - 2025](https://www.fanniemae.com/data-and-insights/perspectives/fannie-mae-perspectives-2025-archive) + - [Archive - 2024](https://www.fanniemae.com/data-and-insights/perspectives/fannie-mae-perspectives-2024-archive) + - [Archive - 2023](https://www.fanniemae.com/data-and-insights/perspectives/fannie-mae-perspectives-2023-archive) + - [Archive - 2022](https://www.fanniemae.com/data-and-insights/perspectives/fannie-mae-perspectives-2022-archive) + - [About ESR](https://www.fanniemae.com/data-and-insights/about-economic-and-strategic-research-esr-group) + - [Newsroom](https://www.fanniemae.com/newsroom) Toggle - [News](https://www.fanniemae.com/newsroom/fannie-mae-news) + - [Media Resources](https://www.fanniemae.com/newsroom/media-resources) + - [Careers](https://www.fanniemae.com/careers) Toggle - [Our Teams](https://www.fanniemae.com/careers/our-teams) Toggle - [Corporate Teams](https://www.fanniemae.com/careers/our-teams/corporate-teams) + - [Data & Analytics](https://www.fanniemae.com/careers/our-teams/data-analytics) + - [Digital & Technology](https://www.fanniemae.com/careers/our-teams/digital-technology) + - [Mortgage & Customer Solutions](https://www.fanniemae.com/careers/our-teams/mortgage-customer-solutions) + - [Risk Management](https://www.fanniemae.com/careers/our-teams/risk-management) + - [Life at Fannie Mae](https://www.fanniemae.com/careers/life-fannie-mae) + - [Benefits & Professional Development](https://www.fanniemae.com/careers/benefits) + - [Campus](https://www.fanniemae.com/careers/campus) + - [Contact Us](https://www.fanniemae.com/about-us/contact-us) + Menu Single-Family Business + + ## FM Site Nav + + [Homepage ![Fannie Mae logo](/themes/custom/particle/dist/app-drupal-sf/assets/fm_logo_rgb.png)](https://www.fanniemae.com/) - [Originating & Underwriting](/originating-underwriting) + - [Pricing & Execution](/pricing-execution) + - [Delivering](/delivering) + - [Servicing](/servicing) + - [Learning Center](/learning-center) + - [Apps & Technology](/applications-technology/applications-technology) + - [News & Events](/news-events) + - [Become a Partner](/become-fannie-mae-seller-or-servicer) + Toggle search ** + + [Login](/saml/login?destination=/) // Function to initialize a search interface document.addEventListener('DOMContentLoaded', async function () { async function initializeSearchInterface(id, accessToken, organizationId) { const searchInterface = document.getElementById(id); if (searchInterface) { await customElements.whenDefined("atomic-search-interface"); // Initialization await searchInterface.initialize({accessToken: accessToken, organizationId: organizationId, organizationEndpoints: await searchInterface.getOrganizationEndpoints(organizationId)}); // Only need this for the guides. if (window.location.host.indexOf("guide") !== -1 || window.location.host.indexOf("credit") !== -1 || window.location.host.indexOf("fm") !== -1) { const searchBox = document.querySelector('atomic-search-interface#search-interface-search-bar atomic-search-box'); const engine = searchInterface.engine; var currentQuery = ""; function handleStateUpdate() { const state = engine.state; if (engine.state.query.q != "" && currentQuery != engine.state.query.q) { currentQuery = engine.state.query.q; var redirectUrl = searchBox.redirectionUrl + "&q=" + engine.state.query.q; searchBox.redirectionUrl = redirectUrl; } } const unsubscribe = engine.subscribe(handleStateUpdate); } } } // Initialize the first search initializeSearchInterface("search-interface-search-bar", 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc', 'fanniemae9glu2r77'); var 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font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box { width: auto; max-width: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper) { border: 1px solid rgba(12, 12, 12, 0.3); border-radius: 24px; background: #fff; padding: 4px 10px; align-items: center; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper):focus-within { box-shadow: unset; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input) { color: #121212; font-family: 'Source Sans Pro', sans-serif; font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } .fm-search__form-block--header.is-open { transform: inherit; opacity: 1; display: block; } .fm-search__form-block--header { transform: translateY(-20px); transition: all 0.4s ease-in-out; opacity: 0; z-index: -1; } .fm-search__form-block--header.container { position: relative; padding: 0; max-width: 100%; } atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(clear-icon):hover { color: #1c6fa3; } atomic-search-interface#search-interface-search-bar.guide atomic-search-box::part(clear-button) { margin-top: -8px; margin-right: 10px; } + + + + []() + + ![neighborhood roads](/sites/g/files/koqyhd181/files/styles/16_9_letterbox/public/2023-12/UMDP%20Header.png?h=acac93ba&itok=7niQNgxv) + + - [Home](/) + - [Delivering](/delivering) + - Uniform Mortgage Data Program + + Delivering + + # Uniform Mortgage Data Program + + Fostering data standardization, data exchange efficiencies, and enhanced risk management for lenders + + Uniform Mortgage Data Program (UMDP) is an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of U.S. Federal Housing (FHFA) to enhance mortgage data quality and standardization. + +UMDP is composed of several initiatives supporting standardization of appraisal data, loan application data, closing disclosure data, and loan delivery data. + + ![UMDP infographic](/sites/g/files/koqyhd181/files/2025-06/UMDP-Graphic.png) + + document.addEventListener('DOMContentLoaded', function () { Coveo.SearchEndpoint.endpoints['default'] = new Coveo.SearchEndpoint({ restUri: 'https://fanniemae9glu2r77.org.coveo.com/rest/search', accessToken: '123', searchAlertsUri: 'https://fanniemae9glu2r77.admin.org.coveo.com/rest/search/alerts' }); var root = Coveo.$$(document).find("#sectionsearchbox"); Coveo.initSearchbox(root, "/search?sectionid=731", { Searchbox : { placeholder : "Search Delivering" } }); Coveo.state(Coveo.$$(document).find("#sectionsearchbox"), {}); }); + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/faqs.svg) + + [FAQs](/delivering/uniform-mortgage-data-program/faqs-uniform-mortgage-data-program) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/fact-sheet.svg) + + [Fact Sheet](https://singlefamily.fanniemae.com/media/document/pdf/umdp-fact-sheet) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/product-news.svg) + + [UMDP Disclaimer & Limitations on Liability](/media/document/pdf/umdp-disclaimer-and-limitation-liability) + + ##### What's New + +[Updates to UCD v2.0 Specification Resources](/news-events/updates-ucd-v20-specification-resources) + +Resources are updated on December 15, 2025 to help lenders and technology service providers prepare for Uniform Closing Dataset (UCD) v2.0 adoption and transition of Phase 3B Postponed and Phase 4 edits. + +[View All](/delivering/uniform-mortgage-data-program/umdp-announcements) + + ### UMDP Initiatives + + ##### URLA/ULAD + + - [Uniform Residential Loan Application (URLA) / Uniform Loan Application Dataset (ULAD)](/delivering/uniform-mortgage-data-program/uniform-residential-loan-application)- Redesigned Form 1003, corresponding dataset, and new DU Specification + + ##### UAD + + - [Uniform Appraisal Dataset (UAD)](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset)- Common requirements for appraisal and loan delivery data + + ##### UPD + + - [Uniform Property Dataset](/delivering/uniform-mortgage-data-program/uniform-property-dataset) – Common requirements for property data collection data + + ##### UCDP + + - [Uniform Collateral Data Portal® (UCDP®)](/applications-technology/uniform-collateral-data-portal)- Single portal for electronically submitting appraisal reports for conventional mortgages + + ##### UCD + + - [UCD Collection Solution](/learning-center/delivering/uniform-closing-dataset-ucd-collection-solution) - Test and deliver the Uniform Closing Dataset (UCD) XML file to Fannie Mae. + - [Uniform Closing Dataset (UCD)](/delivering/uniform-mortgage-data-program/uniform-closing-dataset)- Common industry dataset supporting the Consumer Financial Protection Bureau (CFPB) Borrower Closing Disclosure. + - [UCD Test Environment](/external-resource/ucd-test-environment) + + ##### ULDD + + - [Uniform Loan Delivery Dataset (ULDD)](/delivering/uniform-mortgage-data-program/uniform-loan-delivery-dataset)- Common requirements for loan delivery data + + ### Related Applications + + - [Collateral Underwriter](/applications-technology/collateral-underwriter)® + - [Desktop Underwriter](/applications-technology/desktop-underwriter-desktop-originator)® + - [EarlyCheck](/applications-technology/earlycheck)™ + - [Loan Delivery](/applications-technology/loan-delivery) + - [Loan Delivery Test Environment](/applications-technology/loan-delivery-test-environment) + - [Uniform Collateral Data Portal (UCDP)](/learning-center/applications/uniform-collateral-data-portal-learning-center) + - [Uniform Closing Dataset (UCD) Collection Solution](/applications-technology/uniform-closing-dataset-collection-solution) + + campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } }); + + + + ![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) + + ### Have questions? + + Get answers to your policy and guide questions, straight from the source. + + [Get Started **](/applications-technology/ask-poli) + + ###### Work with Fannie Mae + + - [Customer Login](/saml/login) + - [Password Reset](https://passwordreset.fanniemae.com/) + - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer) + + ###### Products & Solutions + + - [Mortgage Products & Options](/originating-underwriting/mortgage-products) + - [Technology Apps & Solutions](/applications-technology/applications-technology) + + ###### Support & Resources + + - [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts) + - [Guide Forms](/selling-servicing-guide-forms) + - [Learning Center](/learning-center) + - [News & Events](/news-events) + - [Report mortgage fraud](/mortgage-fraud-prevention) + + ###### Other Sites + + - [Fannie Mae's Consumer Website](https://www.fanniemae.com/) + - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/homeownership/duty-serve) + - [HomePath](https://www.homepath.com/) + + .login-block.menu-open .user-logout { position: inherit !important; float: left; margin-right: 5px; } + + jQuery(document).ready(function () { jQuery('a[href^="#"]:not(.hv-tabbed-content a)').on('click', function (e) { e.preventDefault(); const targetSelector = jQuery(this).attr('href'); const targetEl = jQuery(targetSelector); if (targetEl.length) { jQuery('html, body').animate( { scrollTop: targetEl.offset().top - 50, }, 500, function () { targetEl.attr('tabindex', '-1').focus(); } ); } }); }); + + ## Social media + + - [LinkedIn](https://www.linkedin.com/company/fannie-mae-corporation_19722) + - [Facebook](https://www.facebook.com/fanniemae) + - [Instagram](https://instagram.com/officialfanniemae) + - [X (formerly Twitter)](https://twitter.com/FannieMae) + + ## Footer menu + + - [Suppliers](https://www.fanniemae.com/portal/suppliers/index.html) + - [Careers](https://careers.fanniemae.com/main) + - [Contact Us](https://www.fanniemae.com/portal/about-fm/sf-mf-contacts.html) + - [Legal](https://www.fanniemae.com/about-us/legal-disclosure) + - [Privacy](https://www.fanniemae.com/about-us/corporate-governance/online-privacy-notice) + - [Cookie Preferences](javascript:void(0);) + + © 2026 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coveoua("send", "view", { contentIdKey: fieldName, contentIdValue: fieldValue(), }); }, 3000); }); + + // Get the toggle button and the search form block document.addEventListener('DOMContentLoaded', function () { var toggleButton = document.querySelector('.fm-toggle-search'); var searchFormBlock = document.querySelector('.fm-search__form-block--header'); // Add click event listener to the toggle button toggleButton.addEventListener('click', function () { searchFormBlock.classList.toggle('is-open'); }); }); atomic-search-interface#search-interface-search-bar { position: absolute; right: 1%; top: 0; padding: 8px; background: #F1F1EF; border-radius: 55px; width: 98%; z-index: 999; transform: translateY(-60px); } @media only screen and (min-width: 768px) { atomic-search-interface#search-interface-search-bar { width: 430px; right: 16px; min-width: 430px; transform: unset; } } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: 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The list below is a comprehensive view of all integrated and non-integrated companies across Single Family. + + **New!** Click here to access the current [property data collection: fulfillment providers list](/property-data-collection-fulfillment-providers). + + []() + + Name + + Fannie Mae Product Interface - Any - Asset Validation Report Provider Asset Validation Report Supplier Credit Information Provider Desktop Originator Desktop Underwriter EarlyCheck eClose eNote eVault Income and Employment Validation Report Provider Income and Employment Validation Report Supplier Income Calculator Mission Score API Mortgage Insurance Pricing & Execution - Whole Loan Browse Price Pricing & Execution - Whole Loan Make Commitment Pricing & Execution - Whole Loan Manage Commitment Property Data API Servicing Management Default Underwriter Tax Transcript Validation Report Provider Tax Transcript Validation Report Supplier UAD 3.6 Appraisal Software Provider UAD 3.6 Compliance Rules API Uniform Closing Dataset File Creation Uniform Closing Dataset File Delivery Uniform Collateral Data Portal for UAD 2.6 Uniform Collateral Data Portal for UAD 3.6 Uniform Loan Delivery Dataset + + Technology Type - Any - Appraisal Closing Credit Information Provider Data Validation Provider (all DVS vendors) Default Management (SMDU vendors) Document Preparation eMortgage (eClose, eNote, and eVault ) End-to-End Loan Delivery Loan Origination System Mortgage Insurance Point-of-Sale Pricing & Product Engine QC & Compliance Servicing Name Vendor Product Fannie Mae Product Interface [IBT Apps, Inc. dba IBT Apps/ PowerLender](https://www.powerlender.com/) Power Lender® Loan Origination & Processing System - Desktop Underwriter +- EarlyCheck +- Uniform Closing Dataset File Creation +- Uniform Closing Dataset File Delivery +- Uniform Loan Delivery Dataset [Lender Software Solutions, LLC.](https://www.lender.com/) Lender Optimus Unified Mortgage Experience Platform - Desktop Originator +- Desktop Underwriter [WILQO](https://wilqo.com/) Charlie - Desktop Originator +- Desktop Underwriter +- EarlyCheck [4506-Transcripts.com](https://www.Privateeyesbackgroundchecks.com) 4506-Transcripts - Asset Validation Report Provider +- Tax Transcript Validation Report Supplier [AccountChek by Informative Research](https://www.informativeresearch.com/accountchek/) AccountChek - Asset Validation Report Supplier [Accudata Credit Systems](https://www.accudataservices.com) Accudata Credit Systems - Asset Validation Report Provider +- Tax Transcript Validation Report Provider [Accurate Financial Services](https://www.afsaccounting.com) Sponsor SharperLending - Asset Validation Report Provider +- Credit Information Provider [Accurate Group, LLC](https://www.accurategroup.com/) Archer™ - Property Data API [ACI](https://www.appraisal.com) Appraisal.com - Uniform Collateral Data Portal for UAD 2.6 [ACRAnet, Inc.](https://www.acranet.com) Sponsor SharperLending - Asset Validation Report Provider +- Credit Information Provider +- Income and Employment Validation Report Provider +- Tax Transcript Validation Report Provider [Actualize Consulting](https://www.actualizeconsulting.com) TransformX - Uniform Closing Dataset File Creation +- Uniform Closing Dataset File Delivery [Advanced Data](https://www.advanceddata.com) Advanced Data® Income Tax Verification - Asset Validation Report Provider +- Income and Employment Validation Report Provider +- Tax Transcript Validation Report Supplier [Advantage Credit Bureau](https://www.advantagecreditbureau.com) Sponsor MeridianLink, Inc. - Income and Employment Validation Report Provider +- Tax Transcript Validation Report Provider [Advantage Credit, Inc. of Colorado](https://www.advcredit.com) Sponsor MeridianLink, Inc. - Asset Validation Report Provider +- Credit Information Provider +- Income and Employment Validation Report Provider +- Tax Transcript Validation Report Provider [Advantage Plus Credit Reporting, Inc.](http://www.advpluscredit.com) Sponsor MeridianLink, Inc. - Asset Validation Report Provider +- Credit Information Provider +- Income and Employment Validation Report Provider +- Tax Transcript Validation Report Provider [AIMSdashboard, LLC](https://www.aimsdashboard.com) AIMSdashboard - Uniform Collateral Data Portal for UAD 2.6 [Aivre](https://www.aivre.com/) URAR UAD 3.6, Aivre Analytics, Aivre Adjuster, Aivre Mobile, & GPAR - UAD 3.6 Appraisal Software Provider +- UAD 3.6 Compliance Rules API [Alexander McCabe Appraisal Management Company](https://www.alexandermccabe.com) @Home VMS - Uniform Collateral Data Portal for UAD 2.6 [Alliance 2020](https://www.alliance2020.com) Alliance 2020 - Asset Validation Report Provider +- Income and Employment Validation Report Provider [ALM First Financial](https://www.almfirst.com) Mortgage Pipeline Hedging - Pricing & Execution - Whole Loan Browse Price [American Reporting Company, LLC](https://www.arcreports.com) Sponsor MeridianLink, Inc. - Asset Validation Report Provider +- Credit Information Provider +- Income and Employment Validation Report Provider +- Tax Transcript Validation Report Provider [Amrock, LLC](https://www.rocketclose.com/) Rocket Close - eClose [Appraisal Host, LLC](https://www.appraisalhost.com) Appraisal Host® Appraisal Management Software - Uniform Collateral Data Portal for UAD 2.6 [Appraisers Now US, LLC](https://www.voxtur.com/) Walk-Through - Property Data API [Arch Mortgage Insurance Fund](https://mi.archcapgroup.com) ULDD Enumerated Value: ArchMI MI Code 38 - Mortgage Insurance [Ardley Technologies, Inc.](https://www.ardley.com/) Ardley - Desktop Underwriter [Argyle](https://argyle.com/industries/mortgage/) Argyle Verification of Income & Employment & Verification of Employment - Income and Employment Validation Report Supplier [Ascent Software Group LLC - DBA Jaro](https://www.tryjaro.com/) JaroDesk, JaroKit, JaroInspect - UAD 3.6 Appraisal Software Provider [Asteroom](https://www.asteroom.com/en) Asteroom for PDR/PDC - Property Data API [Asurity Mortgage Group](https://www.asurity.com) Propel - Uniform Closing Dataset File Creation [Avantus](https://www.avantus.com) Avantus IRS-Direct Tax Transcripts Sponsor NCRA/CSD - Asset Validation Report Provider +- Credit Information Provider +- Income and Employment Validation Report Provider +- Tax Transcript Validation Report Supplier [Back in the Black](https://www.BackInTheBlack.com) BackInTheBlack® - Servicing Management Default Underwriter [Baleen](https://www.baleensolutions.com/income-calculator) Baleen Lending - Income Calculator [BankVOD](https://www.bankvod.com) BankVOD™ - Asset Validation Report Provider [BeSmartee, Inc.](https://www.besmartee.com) BeSmartee - Desktop Originator +- Desktop Underwriter [Birchwood Credit Services, Inc.](https://www.birchwoodcreditservices.com) Sponsor MeridianLink, Inc. - Asset Validation Report Provider +- Credit Information Provider +- Income and Employment Validation Report Provider +- Tax Transcript Validation Report Provider [Black Knight](https://www.blackknightinc.com/) Loss Mitigation Solution - Servicing Management Default Underwriter [Black Knight](https://www.blackknightinc.com/) Expedite® Close - eClose +- eNote +- eVault [Black, Mann & Graham, L.L.P](https://www.BMandG.com) JetDocs (Closing Express) - Uniform Closing Dataset File Creation [Blend Labs](https://www.blend.com) Blend - Asset Validation Report Supplier +- Desktop Originator +- Desktop Underwriter +- eClose +- Income and Employment Validation Report Supplier #### Pagination + + - [Current page 1](?page=0) + - [Page 2](?page=1) + - [Page 3](?page=2) + - [Page 4](?page=3) + - [Page 5](?page=4) + - … + - [Next page Next](?page=1) + + For more information about vendor products, please contact the vendor directly. Please note that Fannie Mae does not endorse any vendor solutions. + + **Denotes vendor has not been validated to support the redesigned Form 1003 and Desktop Underwriter®(DU®) Specification based on MISMO® V3.4.* + + campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } }); + + + + ![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) + + ### Have questions? + + Get answers to your policy and guide questions, straight from the source. + + [Get Started **](/applications-technology/ask-poli) + + ###### Work with Fannie Mae + + - [Customer Login](/saml/login) + - [Password Reset](https://passwordreset.fanniemae.com/) + - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer) + + ###### Products & Solutions + + - [Mortgage Products & Options](/originating-underwriting/mortgage-products) + - [Technology Apps & Solutions](/applications-technology/applications-technology) + + ###### Support & Resources + + - [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts) + - [Guide Forms](/selling-servicing-guide-forms) + - [Learning Center](/learning-center) + - [News & Events](/news-events) + - [Report mortgage fraud](/mortgage-fraud-prevention) + + ###### Other Sites + + - [Fannie Mae's Consumer Website](https://www.fanniemae.com/) + - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/homeownership/duty-serve) + - [HomePath](https://www.homepath.com/) + + .login-block.menu-open .user-logout { position: inherit !important; float: left; margin-right: 5px; } + + jQuery(document).ready(function () { jQuery('a[href^="#"]:not(.hv-tabbed-content a)').on('click', function (e) { e.preventDefault(); 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All lenders are now permitted to submit UAD 3.6 appraisal reports to the Uniform Collateral Data Portal® (UCDP® ). + +Submission of UAD 3.6 appraisal reports is not yet mandatory; however, lenders that have updated their systems and processes to support UAD 3.6 appraisal reports – including working with an[appraisal software provider](/integrated-vendor-list) whose software has been verified for UAD 3.6 – are encouraged to begin integrating appraisal reports that use UAD 3.6 into their workflow. Gradually integrating UAD 3.6 appraisal reports will help lenders prepare for a full transition by November 2, 2026 mandate, when all appraisal reports on loans sold to Freddie Mac or Fannie Mae must use UAD 3.6. + +To learn more about the UAD 3.6 and Forms Redesign, visit the[Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and UAD webpages. If you have questions, please contact your GSE representative. + + UAD 3.6 and Forms Redesign: Inspection and Reporting Tips: Oct. 21, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team created the [UAD Inspection and Reporting Tips](/media/document/pdf/uad-36-inspection-and-reporting-tips) document to highlight notable differences in information collected between the legacy forms (UAD 2.6) and the redesigned URAR (UAD 3.6). + +Appraisers can use the Inspection and Reporting Tips document as a job aid when completing appraisal assignments using UAD 3.6. It focuses on new information requirements when physically inspecting the property or when researching property information and completing the URAR. + +Visit the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and webpages to view all UAD resources. + + UAD 3.6 Compliance Rules Update - URAR, Restricted Appraisal Update Report, and Completion Report: Sept. 16, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team has updated the UAD Compliance Rules for the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and Completion Report. + +**Summary of Changes** + +- **Severity Level Changes:**Effective January 26, 2026, the severity level for certain rules applicable to the Restricted Appraisal Update Report and Completion Report will be updated. For details, see [Appendix H-2](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) and [Appendix H-3](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) on the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) UAD webpages. With the implementation of UAD 3.6, Restricted Appraisal Update Reports and Completion Reports must be submitted to the Uniform Collateral Data Portal® (UCDP® ) as referenced in Fannie Mae’s [*Selling Guide* Supplement: UAD 3.6 Policy](/media/document/pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy) and Freddie Mac’s*Single-Family Seller/Servicer Guide* (Guide)[Bulletin 2025-7](https://guide.freddiemac.com/app/guide/bulletin/2025-7). +- **URAR:**Note update to one rule – see [Appendix H-1](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar). +If you have questions, please contact your GSE account representative. + + Available Now in Limited Production: UAD 3.6 and Forms Redesign: Sept. 8, 2025 + + After over five years of preparation, the Limited Production Period for the Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign is finally here! This period innovates the appraisal space with improved data standardization, a simplified review process, and dynamic reporting. Fannie Mae and Freddie Mac (the GSEs) have completed their system and policy updates and are ready to work with lenders and appraisal software vendors to implement UAD 3.6. + +Participating in the Limited Production Period offers lenders an opportunity to experience the new UAD and redesigned Uniform Residential Appraisal Report (URAR) in their production environment with hands-on, high-touch support from the GSEs. + +Lenders, appraisal software vendors, and their partners may have different timelines for adopting the new UAD and redesigned URAR. As industry participants become ready, the GSEs will continue to work with them to implement new technologies and processes, supporting a smooth transition to these transformational appraisal enhancements. + +Even if lenders aren’t planning to participate in the Limited Production Period, they’re encouraged to start planning and preparing for their UAD transition now.***Lenders should take these steps:*** + +- Visit the[Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad)and[Fannie Mae](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) UAD webpages to access valuable resources. +- Review the [UAD timeline](/media/document/pdf/uad-and-forms-redesign-timeline). +- Access the [UAD Lender Readiness Kit](/media/document/pdf/uad-lender-readiness-kit)and [Limited Production Lender Readiness Questionnaire](/media/document/pdf/uad-lender-readiness-questionnaire) and use them as a roadmap for planning. +- Take the [industry training](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html). + + diff --git a/Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_ubpw4r.md b/Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_ubpw4r.md new file mode 100644 index 0000000000000000000000000000000000000000..a1e26c96c93990f9f5d7de80a374d361f19fd598 --- /dev/null +++ b/Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_ubpw4r.md @@ -0,0 +1,498 @@ +--- +source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset" +date_accessed: "2026-01-27T17:46:10.624Z" +--- + +[Skip to main content](#main-content) + + > *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav + + Toggle navigation - - [Home](https://www.fanniemae.com/) + - [Single-Family Business](/) Toggle - 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Toggle search ** + + [Login](/saml/login?destination=/) // Function to initialize a search interface document.addEventListener('DOMContentLoaded', async function () { async function initializeSearchInterface(id, accessToken, organizationId) { const searchInterface = document.getElementById(id); if (searchInterface) { await customElements.whenDefined("atomic-search-interface"); // Initialization await searchInterface.initialize({accessToken: accessToken, organizationId: organizationId, organizationEndpoints: await searchInterface.getOrganizationEndpoints(organizationId)}); // Only need this for the guides. if (window.location.host.indexOf("guide") !== -1 || window.location.host.indexOf("credit") !== -1 || window.location.host.indexOf("fm") !== -1) { const searchBox = document.querySelector('atomic-search-interface#search-interface-search-bar atomic-search-box'); const engine = searchInterface.engine; var currentQuery = ""; function handleStateUpdate() { const state = engine.state; if 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= document.querySelector('.fm-search__form-block--header'); // Add click event listener to the toggle button toggleButton.addEventListener('click', function () { searchFormBlock.classList.toggle('is-open'); }); }); atomic-search-interface#search-interface-search-bar { position: absolute; right: 1%; top: 0; padding: 8px; background: #F1F1EF; border-radius: 55px; width: 98%; z-index: 999; transform: translateY(-60px); } @media only screen and (min-width: 768px) { atomic-search-interface#search-interface-search-bar { width: 430px; right: 16px; min-width: 430px; transform: unset; } } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box { width: auto; max-width: none; } 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4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } .fm-search__form-block--header.is-open { transform: inherit; opacity: 1; display: block; } .fm-search__form-block--header { transform: translateY(-20px); transition: all 0.4s ease-in-out; opacity: 0; z-index: -1; } .fm-search__form-block--header.container { position: relative; padding: 0; max-width: 100%; } atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(clear-icon):hover { color: #1c6fa3; } atomic-search-interface#search-interface-search-bar.guide atomic-search-box::part(clear-button) { margin-top: -8px; margin-right: 10px; } + + + + []() + + - [Home](/) + - [Delivering](/delivering) + - [Uniform Mortgage Data Program](/delivering/uniform-mortgage-data-program) + - Uniform Appraisal Dataset + + Delivering + + # Uniform Appraisal Dataset + + Improving the quality and consistency of appraisal data + + Fannie Mae and Freddie Mac (the GSEs) have worked on the UAD redesign since 2018, leveraging extensive stakeholder input to update the appraisal dataset, align it with current mortgage industry data standards (MISMO® v3.6), and replace the GSE appraisal forms with a single data-driven, flexible, and dynamic appraisal report for any residential property type. To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources below. + + **Coming soon: accessory dwelling unit (ADU) and manufactured housing (MH) financing opportunities for UAD 3.6 users** + +Meet the growing demand for flexible housing options with expanded MH and ADU policy updates. These updates will be available in Desktop Underwriter® on Mar. 31, 2026 – prepare now for your transition to the new UAD. + +[Check out the update](/media/document/pdf/announcement-sel-2025-10-selling-guide-updates) + + ![image](/sites/g/files/koqyhd181/files/icons/2025-04/3%20people%20talking.svg) + + [Announcements](#uad-announcements) + + ![image](/sites/g/files/koqyhd181/files/icons/2025-04/plug.svg) + + [Get Started with UAD 3.6](#uad-36-resources) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/fact-sheet.svg) + + [UAD 3.6 Documentation](#uad-documentation) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/technology.svg) + + [UAD 2.6 and Resources](#uad-26-resources) + + #### Lender Preparedness Webinar Recording + + []() × + + > *[Iframe content not accessible: https://fanniemae.qumucloud.com/view/XircO1Beu7xameqeTvQnay?&autoplay=0]* + + ![image](https://fanniemae.qumucloud.com/kulu/XircO1Beu7xameqeTvQnay/thumbnail) + + ![image](/sites/g/files/koqyhd181/files/2021-05/UMDP%20logo%20May%202021.png) + + + + ## []()Announcements + + ### + + Available Now in Broad Production: UAD 3.6 and Forms Redesign: Jan. 26, 2026 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign Broad Production Period begins today, January 26, 2026. All lenders are now permitted to submit UAD 3.6 appraisal reports to the Uniform Collateral Data Portal® (UCDP®). + +Submission of UAD 3.6 appraisal reports is not yet mandatory; however, lenders that have updated their systems and processes to support UAD 3.6 appraisal reports – including working with an[appraisal software provider](/integrated-vendor-list) whose software has been verified for UAD 3.6 – are encouraged to begin integrating appraisal reports that use UAD 3.6 into their workflow. Gradually integrating UAD 3.6 appraisal reports will help lenders prepare for a full transition by November 2, 2026 mandate, when all appraisal reports on loans sold to Freddie Mac or Fannie Mae must use UAD 3.6. + +To learn more about the UAD 3.6 and Forms Redesign, visit the[Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and UAD webpages. If you have questions, please contact your GSE representative. + + UAD 3.6 and Forms Redesign: Inspection and Reporting Tips: Oct. 21, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team created the [UAD Inspection and Reporting Tips](/media/document/pdf/uad-36-inspection-and-reporting-tips) document to highlight notable differences in information collected between the legacy forms (UAD 2.6) and the redesigned URAR (UAD 3.6). + +Appraisers can use the Inspection and Reporting Tips document as a job aid when completing appraisal assignments using UAD 3.6. It focuses on new information requirements when physically inspecting the property or when researching property information and completing the URAR. + +Visit the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and webpages to view all UAD resources. + + UAD 3.6 Compliance Rules Update - URAR, Restricted Appraisal Update Report, and Completion Report: Sept. 16, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team has updated the UAD Compliance Rules for the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and Completion Report. + +**Summary of Changes** + +- **Severity Level Changes:**Effective January 26, 2026, the severity level for certain rules applicable to the Restricted Appraisal Update Report and Completion Report will be updated. For details, see [Appendix H-2](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) and [Appendix H-3](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) on the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) UAD webpages. With the implementation of UAD 3.6, Restricted Appraisal Update Reports and Completion Reports must be submitted to the Uniform Collateral Data Portal® (UCDP®) as referenced in Fannie Mae’s [*Selling Guide* Supplement: UAD 3.6 Policy](/media/document/pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy) and Freddie Mac’s*Single-Family Seller/Servicer Guide* (Guide)[Bulletin 2025-7](https://guide.freddiemac.com/app/guide/bulletin/2025-7). +- **URAR:**Note update to one rule – see [Appendix H-1](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar). +If you have questions, please contact your GSE account representative. + + Available Now in Limited Production: UAD 3.6 and Forms Redesign: Sept. 8, 2025 + + After over five years of preparation, the Limited Production Period for the Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign is finally here! This period innovates the appraisal space with improved data standardization, a simplified review process, and dynamic reporting. Fannie Mae and Freddie Mac (the GSEs) have completed their system and policy updates and are ready to work with lenders and appraisal software vendors to implement UAD 3.6. + +Participating in the Limited Production Period offers lenders an opportunity to experience the new UAD and redesigned Uniform Residential Appraisal Report (URAR) in their production environment with hands-on, high-touch support from the GSEs. + +Lenders, appraisal software vendors, and their partners may have different timelines for adopting the new UAD and redesigned URAR. As industry participants become ready, the GSEs will continue to work with them to implement new technologies and processes, supporting a smooth transition to these transformational appraisal enhancements. + +Even if lenders aren’t planning to participate in the Limited Production Period, they’re encouraged to start planning and preparing for their UAD transition now.***Lenders should take these steps:*** + +- Visit the[Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad)and[Fannie Mae](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) UAD webpages to access valuable resources. +- Review the [UAD timeline](/media/document/pdf/uad-and-forms-redesign-timeline). +- Access the [UAD Lender Readiness Kit](/media/document/pdf/uad-lender-readiness-kit)and [Limited Production Lender Readiness Questionnaire](/media/document/pdf/uad-lender-readiness-questionnaire) and use them as a roadmap for planning. +- Take the [industry training](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html). + + [View all announcements](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset/uniform-appraisal-dataset-announcements) + + ## []()Get started with UAD 3.6 + + ### + + ##### UAD 3.6 Selling Guide Supplement + + Access UAD 3.6-specific policy. UAD 2.6 users should refer to the Fannie Mae Selling Guide. + + [Learn more **](/media/42571/display) + + ##### UAD and Forms Redesign Timeline + + Detailed timeline outlines specific dates for each implementation phase to help the industry prepare. + + [Learn More **](https://singlefamily.fanniemae.com/media/25391/display) + + ##### Industry Training for the New UAD and URAR + + New URAR course educates industry on the dynamic appraisal reports and updated dataset. + + [Learn More **](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html) + + ##### Lender Readiness Kit + + This document helps lenders prepare for and adopt the updated UAD and retire the existing appraisal forms. It offers timelines and roadmaps to keep lenders on track, and additional resources to learn more along the way. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-kit) + + ##### Functioning without Form Numbers: Mapping Legacy Forms to the Redesigned URAR + + Helps the transition to the new report by providing clarification on how existing appraisal form numbers map to the URAR’s new dynamic structure and discrete and repeatable data. + + [Learm More **](https://singlefamily.fanniemae.com/media/document/pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type) + + ##### Frequently Asked Questions + + Provides answers to common questions about the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/23286/display) + + ##### Limited Production Period Overview + + Guidelines to aid lenders in preparing for the Limited Production Period of the UAD 3.6 and Forms Redesign Initiative. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-limited-production-readiness-overview) + + ##### Limited Production Period Lender Readiness Questionnaire + + Must be completed by lenders who are seeking approval to participate in the UAD 3.6 and Forms Redesign Limited Production Period. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-questionnaire) + + ##### Combined Sample Scenarios + + Appendix D sample scenarios, combined into a single PDF to make it easier to access and review them. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/sample-scenario-pdf) + + ##### Condition and Quality Rating Definitions PDF + + PDF of previously published definitions of Condition and Quality Ratings from Appendix F-1: URAR Reference Guide. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/condition-and-quality-rating-definitions-pdf) + + ##### Partner Playbook + + Designed to help industry partners prepare for the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/34686/display) + + ##### Servicer Preparedness + + Prepares servicers for the transition for UAD 3.6. + + [Learn More **](/media/document/pdf/uniform-appraisal-dataset-faqs-servicers) + + ##### Inspection and Reporting Tips + + Appraisers, education providers, and software vendors should review this document to understand key differences between UAD 2.6 and UAD 3.6 + + [Learn more **](/media/43946/display) + + + + ** + + ** + + /* Carousel Content Title */ .carousel--controls-visible .carousel--card__title{margin-left: 2.5%; margin-bottom: 32px!important;} @media(min-width: 800px){ .carousel--controls-visible .carousel--card__title{margin-left: 54px;} } /** START - Carousel Content **/ .carousel--controls-visible .carousel__wrapper{display: flex; flex-direction: column; padding-bottom: 10px;} @media(min-width: 1120px){ .carousel--controls-visible .carousel__wrapper{padding-bottom: 40px;} } .carousel--controls-visible .carousel__wrapper .slick-list, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide > div:first-child, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item .card{height: 100%;} .carousel--controls-visible .carousel__wrapper .slick-list{display: grid;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__description{margin-bottom: 35px;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__link-wrapper{bottom: 0; position: relative; margin-top: auto;} /** END - Carousel Content **/ /* Carousel Content Nav Dots */ .carousel--controls-visible .carousel__wrapper .carousel-indicators .slick-dots{padding-left: 0;} /* START - Carousel Link */ .carousel--controls-visible .carousel__link-wrapper{margin-left: 2.5%; margin-top: 80px;} @media(min-width: 800px){ .carousel--controls-visible .carousel__link-wrapper{margin-left: 54px; margin-top: 80px;} } @media(min-width: 1120px){ .carousel--controls-visible .carousel__link-wrapper{margin-top: 40px;} } .carousel--controls-visible .carousel__link-wrapper .carousel__link{margin-left: 0;} /* END - Carousel Link */ /* Carousel White Card with Border */ .carousel--white .card{width: calc(100% - 2px);} @media(min-width: 768px){ .carousel--white .card{width: auto;} } ## []()**UAD 3.6 Documentation** + +The following UAD 3.6 resources provide the actionable documentation needed to translate the data entered on the report into the format required for submission via the UCDP. See below for legacy UAD resources. + + ### + + - Uniform Residential Appraisal Report + - Restricted Appraisal Update Report + - Completion Report + [**Appendix A-1: URAR Delivery Specification**](/media/document/xlsx/appendix-1-urar-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-1: URAR Implementation Guide**](/media/document/zip/appendix-b-1-urar-implementation-guide) + + This zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids and provide guidance for creating the user interface. + + [**Appendix C-1: URAR Layout**](/media/document/zip/appendix-c-1-urar-layout) + + This zip file contains the URAR with Report Field IDs document and the URAR without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality. + + [**Appendix D-1: URAR Sample Scenarios and XML Files**](/media/document/zip/appendix-d-1-urar-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-1: URAR Reference Guide**](/media/document/zip/appendix-f-1-urar-reference-guide) + + This zip file contains the URAR Reference Guide and its supplement. The Reference Guide provides guidance on how to enter information and how the data will be displayed in the URAR. The supplement summarizes information about the Comparable Grids. + + [**Appendix G-1: Redesign to Legacy UAD Cross Reference Guide**](/media/document/xlsx/appendix-g-1-redesign-legacy-uad-cross-reference-guide) + + This document contains the data points, enumerations, and xPaths of the redesigned UAD mapped to existing data elements in the Legacy UAD dataset. + + [**Appendix H-1: UAD Compliance Rules-URAR**](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Delivery Specification. These rules verify data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-2: Restricted Appraisal Update Report Delivery Specification**](/media/document/xlsx/appendix-2-restricted-appraisal-update-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-2: Restricted Appraisal Update Report Implementation Guide**](/media/document/pdf/appendix-b-2-restricted-appraisal-update-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-2: Restricted Appraisal Update Report Layout**](/media/document/zip/appendix-c-2-restricted-appraisal-update-report-layout) + + This zip file contains the Restricted Appraisal Update Report with Report Field IDs document and the Restricted Appraisal Update Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Restricted Appraisal Update Report, regardless of conditionality. + + [**Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File**](/media/document/zip/appendix-d-2-restricted-appraisal-update-report-sample-scenario-and-xml-file) + + This zip file contains an example scenario, accompanying XML, and a document that summarizes the scenario, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-2: Restricted Appraisal Update Report Reference Guide**](/media/document/pdf/appendix-f-2-restricted-appraisal-update-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report. + + [**Appendix H-2: UAD Compliance Rules – Restricted Appraisal Update Report**](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Restricted Appraisal Update Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-3: Completion Report Delivery Specification**](/media/document/xlsx/appendix-3-completion-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-3: Completion Report Implementation Guide**](/media/document/pdf/appendix-b-3-completion-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-3: Completion Report Layout**](/media/document/zip/appendix-c-3-completion-report-layout) + + This zip file contains the Completion Report with Report Field IDs document and the Completion Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Completion Report, regardless of conditionality. + + [**Appendix D-3: Completion Report Sample Scenarios and XML Files**](/media/document/zip/appendix-d-3-completion-report-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-3: Completion Report Reference Guide**](/media/document/pdf/appendix-f-3-completion-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Completion Report. + + [**Appendix H-3: UAD Compliance Rules – Completion Report**](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Completion Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + + + [**UAD 3.6 Subschema Zip File**](/media/document/zip/uad-36-schema-zip-file) + + The UAD documentation leverages the MISMO Version 3.6. The GSEs have created a Subschema that contains only the data elements needed to support the UAD 3.6 specification and includes additional enforcement. + + + + ## Now Showing: UAD - The Movie + + Learn more about how this multi-year project will enhance appraisal data quality and consistency. + + [Watch Video](https://youtu.be/A-7GhWtLLBo) + + [See Infographic](/media/document/pdf/uad-infographic) + + ![image](/sites/g/files/koqyhd181/files/styles/scale_2000/public/2021-01/uad_promo_video_thumbnail.png?itok=wv0ADQkJ) + + ## []()**UAD 2.6 and Resources** + + ##### Legacy Documentation + + The forms and mapping below support the current UAD. See UAD documentation above for UAD 3.6 documents. + +- [UAD 2.6 FAQs](/media/document/pdf/faqs-uniform-appraisal-dataset-uad) +- [Legacy UAD Compliance Rules](/media/document/xls/uad-compliance-rules) +- [Legacy UAD Specification Guide](/media/document/pdf/uad-specification-guide) +- [Legacy UAD Specification: Appendix A | GSE Appraisal Forms Mapping (.pdf)](/media/document/pdf/uad-specification-appendix-gse-appraisal-forms-mapping) +- [Legacy UAD Specification: Appendix B | GSE Appraisal Forms Mapping (.xls)](/media/document/xlsx/uad-specification-appendix-b-gse-appraisal-forms-mapping-xls) +- [Legacy UAD Specification: Appendix C | Appraisal Forms with Numbered Fields](/media/document/zip/uad-specification-appendix-c-appraisal-forms-numbered-fields) +- [Legacy UAD Specification: Appendix D | Field-Specific Standardization Requirements](/media/document/pdf/uad-specification-appendix-d-field-specific-standardization-requirements) + + ##### Related Links + + - [Appraisers](/learning-center/applications/appraisers-property-underwriting) + - [Technology Integration](/technology-integration/technology-integration-resources) + - [UMDP Disclaimer and Limitation on Liability](/media/document/pdf/umdp-disclaimer-and-limitation-liability) + - [Uniform Mortgage Data Program (UMDP](/delivering/uniform-mortgage-data-program)[)](/node/2811) + + ##### Related Applications + + - [Collateral Underwriter® (CU®)](/applications-technology/collateral-underwriter) + - [Uniform Collateral Data Portal® (UCDP®)](/applications-technology/uniform-collateral-data-portal) + + campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } }); + + + + ![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) + + ### Have questions? + + Get answers to your policy and guide questions, straight from the source. + + [Get Started **](/applications-technology/ask-poli) + + ###### Work with Fannie Mae + + - [Customer Login](/saml/login) + - [Password Reset](https://passwordreset.fanniemae.com/) + - [Not a customer? 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[Home](/) + - [Technology](/tools-learning) + + # Uniform Appraisal Dataset + + - [Business Resources](#business-resources) + - [Technical Resources](#technical-resources) + - [Announcements](#announcements) + ## **Now Available: Industry Training for the New UAD and URAR** + +New UAD training to educate all stakeholders about using the dynamic appraisal reports and updated data set is now available. This training is available for anyone to take, including appraisers, but is of particular value to lenders and software providers and will provide the requisite knowledge and skills to use, implement and transition to the new URAR. Additionally, appraiser-specific training that’s eligible for continuing education training will be available soon. + +[Access the Training for the new uad and urar](https://learn.sf.freddiemac.com/ces/enrol/index.php?id=795) + +### UAD 3.6 and Forms Redesign Broad Production Period Begins + +The UAD 3.6 and Forms Redesign Broad Production period is now open as of January 26, 2026. All lenders are now permitted to submit UAD 3.6 appraisal reports to the Uniform Collateral Data Portal® (UCDP® ). [Read the full announcement](/docs/pdf/announcement_uad_january-2026.pdf). + +### UAD Inspection and Reporting Tips + +The UAD 3.6 and Forms Redesign team has created a new [UAD Inspection and Reporting Tips](/docs/pdf/uad-inspection-and-reporting-tips.pdf) resource that highlights notable differences between the legacy forms (UAD 2.6) and the redesigned URAR (UAD 3.6). Appraisers can use it when completing assignments using UAD 3.6. [Read the full announcement](/docs/pdf/joint-gse-announcement-inspection-and-reporting-tips.pdf). + + ### UAD 3.6 Lender Preparedness Webinar + +The GSEs recently discussed how lenders can prepare for the UAD 3.6 and Forms Redesign. Watch the video. + + > *[Iframe content not accessible: https://www.youtube.com/embed/xj4ae7-MArg?si=MGMo-lV__0iH9qNX]* + + ## Additional Resources + +- [UAD Inspection and Reporting Tips](/docs/pdf/uad-inspection-and-reporting-tips.pdf) +- [UAD 3.6 Combined Sample Scenarios](/docs/pdf/uad-sample-scenarios-combined.pdf) +- [UAD 3.6 Condition and Quality Ratings Definitions](/docs/pdf/uad-condition-quality-ratings-definitions.pdf) +- [Limited Production Readiness Overview for Lenders](/docs/pdf/uad-lpp-readiness-overview-for-lenders.pdf) +- [Limited Production Lender Readiness Questionnaire](https://sf.freddiemac.com/docs/pdf/uad-lpp-lender-readiness-questionnaire.pdf) +- [UAD and Forms Redesign Timeline](/docs/pdf/fact-sheet/uad-redesign-timeline.pdf) +- [UAD Lender Readiness Kit](https://sf.freddiemac.com/docs/pdf/uad-lender-readiness-kit.pdf) +- [Functioning without Form Numbers: Mapping Legacy Forms to Redesigned Uniform Appraisal Report (URAR) Property Type Characteristics](https://sf.freddiemac.com/docs/pdf/functioning-without-form-numbers-mapping-legacy-forms-to-URAR.pdf) +- [UAD and Forms Redesign Partner Playbook](/docs/pdf/requirements/uad_partner_playbook.pdf) +- [UAD 2.6 FAQ](/faqs/uad-faq) +- [UAD 3.6 FAQ](/faqs/uad-and-forms-redesign) +- [UAD and Forms Redesign Summary Report](/docs/pdf/fact-sheet/uad-and-forms-redesign-summary-report.pdf) +- [Industry Stakeholder Input Phase 1 Executive Summary](/docs/pdf/other/uadexecutivesummary_fre_20181217.pdf) +- [UAD Redesign Snapshot](/docs/pdf/other/uad-redesign-snapshot.pdf) +- [UMDP Disclaimer and Limitation on Liability](/tools-learning/uniform-mortgage-data-program/umdp-disclaimer-and-limitation-on-liability) +- [Learn more about UAD and UCDP training resources](https://learn.sf.freddiemac.com/ces) +- [UAD 2.6 Overview](/docs/pdf/fact-sheet/uniform_appraisal_dataset_879.pdf) +- [Uniform Collateral Data Portal Page](/tools-learning/uniform-mortgage-data-program/ucdp) +- [Uniform Mortgage Data Program Page](/tools-learning/uniform-mortgage-data-program/overview) + + ## UAD Documentation + + The following UAD resources provide the actionable documentation needed to translate the data entered on the report into the format required for submission via the UCDP. + + [### UAD 3.6 Subschema Zip File + + The UAD documentation leverages the MISMO Version 3.6. The GSEs have created a Subschema that contains only the data elements needed to support the UAD 3.6 specification and includes additional enforcement.](/docs/zip/uad-3.6-schema.zip) + + ## Uniform Residential Appraisal Report + + [### Appendix A-1: UAD URAR Delivery Specification + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.](/docs/xls/requirements/appendix-a-1-urar-delivery-specification.xlsx) + + [### Appendix B-1: URAR Implementation Guide (iGuide) + + This zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids, and provide guidance for creating the user interface.](/docs/zip/requirements/appendix-b-1-urar-implementation-guide.zip) + + [### Appendix C-1: URAR Layout + + This zip file contains the URAR Layout with Report Field IDs and the URAR Layout without Report Field IDs. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality.](/docs/zip/requirements/appendix-c-1-urar-layout.zip) + + [### Appendix D-1: URAR Sample Scenarios and XML Files + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version.](/docs/zip/requirements/appendix-d-1-urar-sample-scenarios-and-xml-files.zip) + + [### Appendix E: Report Style Guide + + This zip file contains the Report Style Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted.](/docs/zip/requirements/appendix-e-report-style-guide.zip) + + [### Appendix F-1: URAR Reference Guide + + This zip file contains the URAR Reference Guide and its supplement. The Reference Guide provides guidance on how to enter information and how the data will be displayed in the URAR. The supplement summarizes information about the comparable grids.](/docs/zip/requirements/appendix-f-1-urar-reference-guide.zip) + + [### Appendix G-1: Redesign to Legacy UAD Cross-reference Guide + + This document contains the data points, enumerations and xPaths of the redesigned UAD mapped to existing data elements in the Legacy UAD dataset.](/docs/xls/requirements/appendix-g-1-redesign-to-legacy-uad-cross-reference-guide.xlsx) + + [### Appendix H-1: UAD Compliance Rules - URAR + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Delivery Specification. These rules verify data completeness, validity (format and data type), and reasonableness.](/docs/xlsx/appendix-h-1-uad-compliance-rules-urar.xlsx) + + ## Appraisal Update + + [### Appendix A-2: UAD Restricted Appraisal Update Report Delivery Specification + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.](/docs/xls/requirements/appendix-a-2-restricted-appraisal-update-report-delivery-specification.xlsx) + + [### Appendix B-2: Restricted Appraisal Update Report Implementation Guide (iGuide) + + This document assists software vendors with data mapping, field formats and the display logic for the PDF representation of the report.](/docs/pdf/requirements/appendix-b-2-restricted-appraisal-update-report-implementation-guide.pdf) + + [### Appendix C-2: Restricted Appraisal Update Report Layout + + This zip file contains the Appraisal Update Report Layout with Report Field IDs and the Appraisal Update Report Layout without Report Field IDs. The purpose of these documents is to show all possible Report Labels that may display on the Appraisal Update Report, regardless of conditionality.](/docs/zip/requirements/appendix-c-2-restricted-appraisal-update-report-layout.zip) + + [### Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version.](/docs/zip/requirements/appendix-d-2-restricted-appraisal-update-report-sample-scenario-and-xml-file.zip) + + [### Appendix F-2: Restricted Appraisal Update Report Reference Guide + + This document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report.](/docs/pdf/appendix-f-2-restricted-appraisal-update-report-reference-guide.pdf) + + [### Appendix H-2: UAD Compliance Rules - Update Report + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Restricted Appraisal Update Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness.](/docs/xlsx/appendix-h-2-uad-compliance-rules-update-report.xlsx) + + ## Completion Report + + [### Appendix A-3: UAD Completion Report Delivery Specification + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.](/docs/xls/requirements/appendix-a-3-completion-report-delivery-specification.xlsx) + + [### Appendix B-3: Completion Report Implementation Guide (iGuide) + + This document assists software vendors with data mapping, field formats and the display logic for the PDF representation of the report.](/docs/pdf/requirements/appendix-b-3-completion-report-implementation-guide.pdf) + + [### Appendix C-3: Completion Report Layout + + This zip file contains the Completion Report Layout with Report Field IDs and the Completion Report Layout without Report Field IDs. The purpose of these documents is to show all possible Report Labels that may display on the Completion Report, regardless of conditionality.](/docs/zip/requirements/appendix-c-3-completion-report-layout.zip) + + [### Appendix D-3: Completion Report Sample Scenarios and XML Files + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version.](/docs/zip/requirements/appendix-d-3-completion-report-sample-scenarios-and-xml-files.zip) + + [### Appendix F-3: Completion Report Reference Guide + + This document provides guidance on how to enter information and how the data will be displayed in the Completion Report.](/docs/pdf/appendix-f-3-completion-report-reference-guide.pdf) + + [### Appendix H-3: UAD Compliance Rules - Completion Report + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Completion Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness.](/docs/xlsx/appendix-h-3-uad-compliance-rules-completion-report.xlsx) + + ## Legacy Resources + + - [Legacy UAD Overview](/docs/pdf/fact-sheet/uniform_appraisal_dataset_879.pdf) + - [Legacy UAD Specification](/docs/pdf/requirements/uad_specification.pdf) + - [Legacy UAD Appendix A: GSE Appraisal Forms Mapping](/docs/pdf/requirements/uad_appendix_a_gse_appraisal_forms_mapping.pdf) + - [Legacy UAD Appendix B: GSE Appraisal Forms Mapping](/docs/xls/fact-sheet/uad_appendix_b_gse_appraisal_forms_mapping.xls) + - [Legacy UAD Appendix C: Appraisal Forms with Numbered Fields](/docs/zip/forms/uad_appendix_c_appraisal_forms_with_numbered_fields.zip) + - [Legacy UAD Appendix D: Field-Specific Standardization Requirements](/docs/pdf/requirements/uad_appendix_d_field_specific_standardization_requirements.pdf) + - [Legacy UAD Compliance Rules](/docs/xls/requirements/uadcompliancerules.xls) + + ## Recent Announcements + +### 2026 + +- January 22, 2026 – [Joint GSE Announcement](/docs/pdf/announcement_uad_january-2026.pdf) +### 2025 + +- October 21, 2025 – [Joint GSE Announcement](/docs/pdf/joint-gse-announcement-inspection-and-reporting-tips.pdf) +- September 16, 2025 – [Joint GSE Announcement](/docs/pdf/urarupdatecompletionrulesannouncement.pdf) +- September 8, 2025 – [Joint GSE Announcement](/docs/pdf/lpplaunch_sept-2025-announcement.pdf) +- August 5, 2025 – [Joint GSE Announcement](/docs/pdf/uad-announcement-lpp.pdf) +- June 10, 2025 – [Joint GSE Announcement](/docs/pdf/uad-announcement-06-10-25.pdf) +- April 30, 2025 – [Joint GSE Announcement](/docs/pdf/uad-announcement-04-30-25.pdf) +- February 11, 2025 – [Joint GSE Announcement](https://sf.freddiemac.com/docs/pdf/lppannouncement_02_2025.pdf) +### 2024 + +- November 18, 2024 – [Joint GSE Announcement](/docs/pdf/uad_joint_announcement_nov_2024.pdf) +- October 28, 2024 – [Joint GSE Announcement](/docs/pdf/uad_joint_announcement_oct_2024.pdf) +- September 18, 2024 – [Joint GSE Announcement](https://sf.freddiemac.com/docs/pdf/uad_joint_announcement_sep_2024_final.pdf) +- June 12, 2024 – [Joint GSE Announcement](https://sf.freddiemac.com/docs/pdf/uad_joint_announcement_june_2024.pdf) +- January 24, 2024 – [Joint GSE Announcement](/docs/pdf/uad_joint_announcement_jan_2024.pdf) +### 2023 + +- December 13, 2023 – [Joint GSE Announcement](/docs/pdf/uad_joint_announcement_dec_2023.pdf) +- September 27, 2023 – [Joint GSE Announcement](/docs/pdf/uad_joint_announcement_sept_2023_final.pdf) +- June 27, 2023 – [Joint GSE Announcement](/docs/pdf/uad_joint_announcement_june_2023.pdf) +- March 29, 2023 – [Joint GSE Announcement](/docs/pdf/requirements/announcement_uad_techresources_march2023.pdf) + + Share + + [](https://twitter.com/intent/tweet/?via=freddiemac&text=https://sf.freddiemac.com/) [](https://www.facebook.com/sharer/sharer.php?u=https://sf.freddiemac.com/) [](https://www.linkedin.com/) [](/cdn-cgi/l/email-protection#56693439322f6b053e37243f3831736466377364663a3f383d7364663e222226256c797925307830243332323f333b37357835393b79) + + ### Subscription Center + +Get and stay connected with Freddie Mac Single-Family. 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UAD 2.6 users should refer to the Fannie Mae Selling Guide. + + [Learn more **](/media/42571/display) + +##### UAD and Forms Redesign Timeline + + Detailed timeline outlines specific dates for each implementation phase to help the industry prepare. + + [Learn More **](https://singlefamily.fanniemae.com/media/25391/display) + +##### Industry Training for the New UAD and URAR + + New URAR course educates industry on the dynamic appraisal reports and updated dataset. + + [Learn More **](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html) + +##### Lender Readiness Kit + + This document helps lenders prepare for and adopt the updated UAD and retire the existing appraisal forms. It offers timelines and roadmaps to keep lenders on track, and additional resources to learn more along the way. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-kit) + +##### Functioning without Form Numbers: Mapping Legacy Forms to the Redesigned URAR + + Helps the transition to the new report by providing clarification on how existing appraisal form numbers map to the URAR’s new dynamic structure and discrete and repeatable data. + + [Learm More **](https://singlefamily.fanniemae.com/media/document/pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type) + +##### Frequently Asked Questions + + Provides answers to common questions about the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/23286/display) + +##### Limited Production Period Overview + + Guidelines to aid lenders in preparing for the Limited Production Period of the UAD 3.6 and Forms Redesign Initiative. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-limited-production-readiness-overview) + +##### Limited Production Period Lender Readiness Questionnaire + + Must be completed by lenders who are seeking approval to participate in the UAD 3.6 and Forms Redesign Limited Production Period. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-questionnaire) + +##### Combined Sample Scenarios + + Appendix D sample scenarios, combined into a single PDF to make it easier to access and review them. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/sample-scenario-pdf) + +##### Condition and Quality Rating Definitions PDF + + PDF of previously published definitions of Condition and Quality Ratings from Appendix F-1: URAR Reference Guide. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/condition-and-quality-rating-definitions-pdf) + +##### Partner Playbook + + Designed to help industry partners prepare for the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/34686/display) + +##### Servicer Preparedness + + Prepares servicers for the transition for UAD 3.6. + + [Learn More **](/media/document/pdf/uniform-appraisal-dataset-faqs-servicers) + +##### Inspection and Reporting Tips + + Appraisers, education providers, and software vendors should review this document to understand key differences between UAD 2.6 and UAD 3.6 + + [Learn more **](/media/43946/display) + +##### UAD 3.6 Selling Guide Supplement + + Access UAD 3.6-specific policy. UAD 2.6 users should refer to the Fannie Mae Selling Guide. + + [Learn more **](/media/42571/display) + +##### UAD and Forms Redesign Timeline + + Detailed timeline outlines specific dates for each implementation phase to help the industry prepare. + + [Learn More **](https://singlefamily.fanniemae.com/media/25391/display) + +##### Industry Training for the New UAD and URAR + + New URAR course educates industry on the dynamic appraisal reports and updated dataset. + + [Learn More **](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html) + +##### Lender Readiness Kit + + This document helps lenders prepare for and adopt the updated UAD and retire the existing appraisal forms. It offers timelines and roadmaps to keep lenders on track, and additional resources to learn more along the way. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-kit) + +##### Functioning without Form Numbers: Mapping Legacy Forms to the Redesigned URAR + + Helps the transition to the new report by providing clarification on how existing appraisal form numbers map to the URAR’s new dynamic structure and discrete and repeatable data. + + [Learm More **](https://singlefamily.fanniemae.com/media/document/pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type) + +##### Frequently Asked Questions + + Provides answers to common questions about the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/23286/display) + +##### Limited Production Period Overview + + Guidelines to aid lenders in preparing for the Limited Production Period of the UAD 3.6 and Forms Redesign Initiative. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-limited-production-readiness-overview) + +##### Limited Production Period Lender Readiness Questionnaire + + Must be completed by lenders who are seeking approval to participate in the UAD 3.6 and Forms Redesign Limited Production Period. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-questionnaire) + +##### Combined Sample Scenarios + + Appendix D sample scenarios, combined into a single PDF to make it easier to access and review them. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/sample-scenario-pdf) + +##### Condition and Quality Rating Definitions PDF + + PDF of previously published definitions of Condition and Quality Ratings from Appendix F-1: URAR Reference Guide. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/condition-and-quality-rating-definitions-pdf) + +##### Partner Playbook + + Designed to help industry partners prepare for the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/34686/display) + +##### Servicer Preparedness + + Prepares servicers for the transition for UAD 3.6. + + [Learn More **](/media/document/pdf/uniform-appraisal-dataset-faqs-servicers) + +##### Inspection and Reporting Tips + + Appraisers, education providers, and software vendors should review this document to understand key differences between UAD 2.6 and UAD 3.6 + + [Learn more **](/media/43946/display) + + - 1 +- 2 +- 3 +- 4 +- 5 +- 6 +- 7 +- 8 +- 9 +- 10 +- 11 +- 12 +- 13 + + ** + + ** + + diff --git a/Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/uniform-appraisal-dataset-faqs-servicers.pdf b/Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/uniform-appraisal-dataset-faqs-servicers.pdf new file mode 100644 index 0000000000000000000000000000000000000000..2d990e2e1c42ca2c96e643279a26c5ad8b410aee Binary files /dev/null and b/Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/uniform-appraisal-dataset-faqs-servicers.pdf differ diff --git a/Uniform_Appraisal_Dataset___Fannie_Mae5/_.md/Uniform_Appraisal_Dataset___Fannie_Mae5.md b/Uniform_Appraisal_Dataset___Fannie_Mae5/_.md/Uniform_Appraisal_Dataset___Fannie_Mae5.md new file mode 100644 index 0000000000000000000000000000000000000000..7a43e5f55c927bbdd1e15fa650f684ebccea7d7f --- /dev/null +++ b/Uniform_Appraisal_Dataset___Fannie_Mae5/_.md/Uniform_Appraisal_Dataset___Fannie_Mae5.md @@ -0,0 +1,125 @@ +--- +title: "Uniform Appraisal Dataset | Fannie Mae" +source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset" +date_accessed: "2026-01-27T17:46:36.951Z" +selector: ".layout.masthead-custom.js-layout-exists.rag-highlight-border" +parent_folder: "APPRAISAL_DATASET" +capture_name: "Uniform_Appraisal_Dataset___Fannie_Mae5" +--- + +/* Carousel Content Title */ .carousel--controls-visible .carousel--card__title{margin-left: 2.5%; margin-bottom: 32px!important;} @media(min-width: 800px){ .carousel--controls-visible .carousel--card__title{margin-left: 54px;} } /** START - Carousel Content **/ .carousel--controls-visible .carousel__wrapper{display: flex; flex-direction: column; padding-bottom: 10px;} @media(min-width: 1120px){ .carousel--controls-visible .carousel__wrapper{padding-bottom: 40px;} } .carousel--controls-visible .carousel__wrapper .slick-list, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide > div:first-child, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item .card{height: 100%;} .carousel--controls-visible .carousel__wrapper .slick-list{display: grid;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__description{margin-bottom: 35px;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__link-wrapper{bottom: 0; position: relative; margin-top: auto;} /** END - Carousel Content **/ /* Carousel Content Nav Dots */ .carousel--controls-visible .carousel__wrapper .carousel-indicators .slick-dots{padding-left: 0;} /* START - Carousel Link */ .carousel--controls-visible .carousel__link-wrapper{margin-left: 2.5%; margin-top: 80px;} @media(min-width: 800px){ .carousel--controls-visible .carousel__link-wrapper{margin-left: 54px; margin-top: 80px;} } @media(min-width: 1120px){ .carousel--controls-visible .carousel__link-wrapper{margin-top: 40px;} } .carousel--controls-visible .carousel__link-wrapper .carousel__link{margin-left: 0;} /* END - Carousel Link */ /* Carousel White Card with Border */ .carousel--white .card{width: calc(100% - 2px);} @media(min-width: 768px){ .carousel--white .card{width: auto;} } ## []()**UAD 3.6 Documentation** + +The following UAD 3.6 resources provide the actionable documentation needed to translate the data entered on the report into the format required for submission via the UCDP. See below for legacy UAD resources. + + ### + + - Uniform Residential Appraisal Report + - Restricted Appraisal Update Report + - Completion Report + [**Appendix A-1: URAR Delivery Specification**](/media/document/xlsx/appendix-1-urar-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-1: URAR Implementation Guide**](/media/document/zip/appendix-b-1-urar-implementation-guide) + + This zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids and provide guidance for creating the user interface. + + [**Appendix C-1: URAR Layout**](/media/document/zip/appendix-c-1-urar-layout) + + This zip file contains the URAR with Report Field IDs document and the URAR without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality. + + [**Appendix D-1: URAR Sample Scenarios and XML Files**](/media/document/zip/appendix-d-1-urar-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-1: URAR Reference Guide**](/media/document/zip/appendix-f-1-urar-reference-guide) + + This zip file contains the URAR Reference Guide and its supplement. The Reference Guide provides guidance on how to enter information and how the data will be displayed in the URAR. The supplement summarizes information about the Comparable Grids. + + [**Appendix G-1: Redesign to Legacy UAD Cross Reference Guide**](/media/document/xlsx/appendix-g-1-redesign-legacy-uad-cross-reference-guide) + + This document contains the data points, enumerations, and xPaths of the redesigned UAD mapped to existing data elements in the Legacy UAD dataset. + + [**Appendix H-1: UAD Compliance Rules-URAR**](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Delivery Specification. These rules verify data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-2: Restricted Appraisal Update Report Delivery Specification**](/media/document/xlsx/appendix-2-restricted-appraisal-update-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-2: Restricted Appraisal Update Report Implementation Guide**](/media/document/pdf/appendix-b-2-restricted-appraisal-update-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-2: Restricted Appraisal Update Report Layout**](/media/document/zip/appendix-c-2-restricted-appraisal-update-report-layout) + + This zip file contains the Restricted Appraisal Update Report with Report Field IDs document and the Restricted Appraisal Update Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Restricted Appraisal Update Report, regardless of conditionality. + + [**Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File**](/media/document/zip/appendix-d-2-restricted-appraisal-update-report-sample-scenario-and-xml-file) + + This zip file contains an example scenario, accompanying XML, and a document that summarizes the scenario, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-2: Restricted Appraisal Update Report Reference Guide**](/media/document/pdf/appendix-f-2-restricted-appraisal-update-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report. + + [**Appendix H-2: UAD Compliance Rules – Restricted Appraisal Update Report**](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Restricted Appraisal Update Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-3: Completion Report Delivery Specification**](/media/document/xlsx/appendix-3-completion-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-3: Completion Report Implementation Guide**](/media/document/pdf/appendix-b-3-completion-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-3: Completion Report Layout**](/media/document/zip/appendix-c-3-completion-report-layout) + + This zip file contains the Completion Report with Report Field IDs document and the Completion Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Completion Report, regardless of conditionality. + + [**Appendix D-3: Completion Report Sample Scenarios and XML Files**](/media/document/zip/appendix-d-3-completion-report-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-3: Completion Report Reference Guide**](/media/document/pdf/appendix-f-3-completion-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Completion Report. + + [**Appendix H-3: UAD Compliance Rules – Completion Report**](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Completion Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + + + [**UAD 3.6 Subschema Zip File**](/media/document/zip/uad-36-schema-zip-file) + + The UAD documentation leverages the MISMO Version 3.6. The GSEs have created a Subschema that contains only the data elements needed to support the UAD 3.6 specification and includes additional enforcement. + + + + ## Now Showing: UAD - The Movie + + Learn more about how this multi-year project will enhance appraisal data quality and consistency. + + [Watch Video](https://youtu.be/A-7GhWtLLBo) + + [See Infographic](/media/document/pdf/uad-infographic) + + ![image](Uniform_Appraisal_Dataset___Fannie_Mae5_uad_promo_video_thumbnail.png) + + diff --git a/Uniform_Appraisal_Dataset___Fannie_Mae5/links/_.md/Uniform_Appraisal_Dataset__UAD__and_Forms_Redesign_9nwakf.md b/Uniform_Appraisal_Dataset___Fannie_Mae5/links/_.md/Uniform_Appraisal_Dataset__UAD__and_Forms_Redesign_9nwakf.md new file mode 100644 index 0000000000000000000000000000000000000000..92b03a897708d938ab40007adfb1056a10ffb1a3 --- /dev/null +++ b/Uniform_Appraisal_Dataset___Fannie_Mae5/links/_.md/Uniform_Appraisal_Dataset__UAD__and_Forms_Redesign_9nwakf.md @@ -0,0 +1,10 @@ +--- 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It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-1: URAR Implementation Guide**](/media/document/zip/appendix-b-1-urar-implementation-guide) + + This zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids and provide guidance for creating the user interface. + + [**Appendix C-1: URAR Layout**](/media/document/zip/appendix-c-1-urar-layout) + + This zip file contains the URAR with Report Field IDs document and the URAR without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality. + + [**Appendix D-1: URAR Sample Scenarios and XML Files**](/media/document/zip/appendix-d-1-urar-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-1: URAR Reference Guide**](/media/document/zip/appendix-f-1-urar-reference-guide) + + This zip file contains the URAR Reference Guide and its supplement. The Reference Guide provides guidance on how to enter information and how the data will be displayed in the URAR. The supplement summarizes information about the Comparable Grids. + + [**Appendix G-1: Redesign to Legacy UAD Cross Reference Guide**](/media/document/xlsx/appendix-g-1-redesign-legacy-uad-cross-reference-guide) + + This document contains the data points, enumerations, and xPaths of the redesigned UAD mapped to existing data elements in the Legacy UAD dataset. + + [**Appendix H-1: UAD Compliance Rules-URAR**](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Delivery Specification. These rules verify data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-2: Restricted Appraisal Update Report Delivery Specification**](/media/document/xlsx/appendix-2-restricted-appraisal-update-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-2: Restricted Appraisal Update Report Implementation Guide**](/media/document/pdf/appendix-b-2-restricted-appraisal-update-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-2: Restricted Appraisal Update Report Layout**](/media/document/zip/appendix-c-2-restricted-appraisal-update-report-layout) + + This zip file contains the Restricted Appraisal Update Report with Report Field IDs document and the Restricted Appraisal Update Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Restricted Appraisal Update Report, regardless of conditionality. + + [**Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File**](/media/document/zip/appendix-d-2-restricted-appraisal-update-report-sample-scenario-and-xml-file) + + This zip file contains an example scenario, accompanying XML, and a document that summarizes the scenario, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-2: Restricted Appraisal Update Report Reference Guide**](/media/document/pdf/appendix-f-2-restricted-appraisal-update-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report. + + [**Appendix H-2: UAD Compliance Rules – Restricted Appraisal Update Report**](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Restricted Appraisal Update Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-3: Completion Report Delivery Specification**](/media/document/xlsx/appendix-3-completion-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-3: Completion Report Implementation Guide**](/media/document/pdf/appendix-b-3-completion-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-3: Completion Report Layout**](/media/document/zip/appendix-c-3-completion-report-layout) + + This zip file contains the Completion Report with Report Field IDs document and the Completion Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Completion Report, regardless of conditionality. + + [**Appendix D-3: Completion Report Sample Scenarios and XML Files**](/media/document/zip/appendix-d-3-completion-report-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-3: Completion Report Reference Guide**](/media/document/pdf/appendix-f-3-completion-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Completion Report. + + [**Appendix H-3: UAD Compliance Rules – Completion Report**](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Completion Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + diff --git a/Uniform_Appraisal_Dataset___Fannie_Mae6/links/_/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report b/Uniform_Appraisal_Dataset___Fannie_Mae6/links/_/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report new file mode 100644 index 0000000000000000000000000000000000000000..bd6d7adc824c6b4c16d89a55a3c8753145009668 Binary files /dev/null and b/Uniform_Appraisal_Dataset___Fannie_Mae6/links/_/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report differ diff --git a/Uniform_Appraisal_Dataset___Fannie_Mae6/links/_/appendix-h-3-uad-compliance-rules-completion-report b/Uniform_Appraisal_Dataset___Fannie_Mae6/links/_/appendix-h-3-uad-compliance-rules-completion-report new file mode 100644 index 0000000000000000000000000000000000000000..d9592c06d1f801628b7dc51b653fc3aecd747695 Binary files /dev/null and b/Uniform_Appraisal_Dataset___Fannie_Mae6/links/_/appendix-h-3-uad-compliance-rules-completion-report differ