Add files using upload-large-folder tool

chunks/json/01775709fe2cb5b8071db2ac206adbe2691fc769b925630e000a90d91c946f1d.json

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chunks/json/01ad3b11be74538c67460b16725af06fb85b6117c709d4deed7aac8f47f41f79.json

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+{"chunk":{"char_end":12653,"char_start":10049,"chunk_id":"chk_e87db7310217a19f","chunk_index":6,"chunk_sha256":"01ad3b11be74538c67460b16725af06fb85b6117c709d4deed7aac8f47f41f79","date_utc":"2026-01-27T18:10:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_a42a0f021e801ee3","text_sha256":"01ad3b11be74538c67460b16725af06fb85b6117c709d4deed7aac8f47f41f79","token_estimate":771,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Mortgage_Loan_and_Natural_Disaster_Dashboard___FHF_f6obmb.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/34281\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"}

chunks/json/01d338fedc03becf2fcf0fbee4c93f0448bea1e5b11a6c49e70a86cebb7e68ec.json

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+{"chunk":{"char_end":25051,"char_start":23423,"chunk_id":"chk_fbb7353adec51c79","chunk_index":14,"chunk_sha256":"01d338fedc03becf2fcf0fbee4c93f0448bea1e5b11a6c49e70a86cebb7e68ec","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"01d338fedc03becf2fcf0fbee4c93f0448bea1e5b11a6c49e70a86cebb7e68ec","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"These messages are the same for each GSE.\n\nUCDP System Findings\n\nFreddie Mac\n\nData Fields Specific to the System Findings\n\nField Name\n\nDefinition / Description\n\nAdditional Information\n\nFinding Category\n\nDefines the type of message (or finding) returned within\nthe section.\n\nIdentified in Header\n\nSeverity\n\nIndicates the level of impact of a particular message\nassociated with an appraisal report finding and how\nurgently the finding should be addressed.\n\nFatal\n\nWarning\n\nMessage\n\nThe text description of each appraisal report finding.\n\nMessage ID\n\nA unique identifier assigned to each finding/message.\n\n“SYS” Prefix\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n\nUAD Compliance Findings\n\nThe UAD 3.6 Compliance Findings verify that the submitted XML file adheres to UAD 3.6 specifications.\nThese are messages generated during a UAD compliance check that contains information about data format\nand completeness issues.\n\nThese messages are the same for each GSEs.\n\nJoint UAD Compliance Findings\n\nFannie Mae\n\nFreddie Mac\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n\nData Fields Specific to the UAD Compliance Findings\n\nField Name\nFinding Category\n\nDefines the type of message (or finding) returned within the section.\n"}

chunks/json/01d4de0da417ccb88e626e330252ba25256f96b3f79b8c9f6afb1db62f866ef0.json

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+{"chunk":{"char_end":23105,"char_start":20391,"chunk_id":"chk_6a929b0c2f005284","chunk_index":13,"chunk_sha256":"01d4de0da417ccb88e626e330252ba25256f96b3f79b8c9f6afb1db62f866ef0","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca7d705bb5cd4823","text_sha256":"01d4de0da417ccb88e626e330252ba25256f96b3f79b8c9f6afb1db62f866ef0","token_estimate":678,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Federal_Housing_Finance_Agency___LinkedIn_p6ynde.md"]},"text":"214,024 open jobs](https://www.linkedin.com/jobs/technical-lead-jobs?trk=organization_guest-browse_jobs)\n - [### Risk Analyst jobs\n\n60,451 open jobs](https://www.linkedin.com/jobs/risk-analyst-jobs?trk=organization_guest-browse_jobs)\n Show more jobs like this Show fewer jobs like this\n\nMore searches More searches - - [Tax Manager jobs](https://www.linkedin.com/jobs/tax-manager-jobs?trk=organization_guest_linkster_link)\n - [Real Estate Manager jobs](https://www.linkedin.com/jobs/real-estate-manager-jobs?trk=organization_guest_linkster_link)\n - [Analyst jobs](https://www.linkedin.com/jobs/analyst-jobs?trk=organization_guest_linkster_link)\n - [Document Control Specialist jobs](https://www.linkedin.com/jobs/document-control-specialist-jobs?trk=organization_guest_linkster_link)\n - [Online Adjunct Instructor jobs](https://www.linkedin.com/jobs/online-adjunct-instructor-jobs?trk=organization_guest_linkster_link)\n - [Adjunct Instructor jobs](https://www.linkedin.com/jobs/adjunct-instructor-jobs?trk=organization_guest_linkster_link)\n - [Document Manager jobs](https://www.linkedin.com/jobs/document-manager-jobs?trk=organization_guest_linkster_link)\n - [Director of Diversity and Inclusion jobs](https://www.linkedin.com/jobs/director-of-diversity-and-inclusion-jobs?trk=organization_guest_linkster_link)\n - [Adjunct jobs](https://www.linkedin.com/jobs/adjunct-jobs?trk=organization_guest_linkster_link)\n - [Senior Recruitment Consultant jobs](https://www.linkedin.com/jobs/senior-recruitment-consultant-jobs?trk=organization_guest_linkster_link)\n - [Career Coach jobs](https://www.linkedin.com/jobs/career-coach-jobs?trk=organization_guest_linkster_link)\n - [Document Controller jobs](https://www.linkedin.com/jobs/document-controller-jobs?trk=organization_guest_linkster_link)\n - [Chief Human Resources Officer jobs](https://www.linkedin.com/jobs/chief-human-resources-officer-jobs?trk=organization_guest_linkster_link)\n - [Associate jobs](https://www.linkedin.com/jobs/associate-jobs?trk=organization_guest_linkster_link)\n - [Manager jobs](https://www.linkedin.com/jobs/manager-jobs?trk=organization_guest_linkster_link)\n - [Emergency Medical Technician jobs](https://www.linkedin.com/jobs/emergency-medical-technician-jobs?trk=organization_guest_linkster_link)\n - [Sales Specialist jobs](https://www.linkedin.com/jobs/sales-specialist-jobs?trk=organization_guest_linkster_link)\n - [Coordinator jobs](https://www.linkedin.com/jobs/coordinator-jobs?trk=organization_guest_linkster_link)\n - [Strategic Advisor jobs](https://www.linkedin.com/jobs/strategic-advisor-jobs?trk=organization_guest_linkster_link)\n - [Intern jobs](https://www.linkedin.com/jobs/intern-jobs?trk=organization_guest_linkster_link)\n"}

chunks/json/01d901239caad25769d49fda105c13f5f333ef2c0dd47aa050b3bb461b3b8e84.json

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+{"chunk":{"char_end":280524,"char_start":278824,"chunk_id":"chk_3affdebd75bc10a8","chunk_index":245,"chunk_sha256":"01d901239caad25769d49fda105c13f5f333ef2c0dd47aa050b3bb461b3b8e84","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"01d901239caad25769d49fda105c13f5f333ef2c0dd47aa050b3bb461b3b8e84","token_estimate":425,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"▪ Display each feature on a separate row.\n\n▪ When the same feature has multiple defects, repeat the entire row.\n\no Location - DefectItemLocationType (UID: 3900.0169, FID: 12.021)\n\no Description - DefectItemDescription (UID: 3900.0167, FID: 12.022)\n\no Affects Soundness or Structural Integrity - DefectItemAffectsSoundnessStructuralIntegrityIndicator (UID: 3900.0166, FID:\n\n12.023)\n\nRecommended Action - DefectItemRecommendedActionType (UID: 3900.0128, FID: 12.024)\n\nFigure 12 - 8\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 12 - 9\n\nPage 211\n\nOutbuilding Commentary\n\nThe Outbuilding Commentary subsection displays only when comments are provided. Any commentary must use\nStructureValuationCommentText (UID: 0300.0096, FID: 12.026).\n\nOutbuilding Exhibits\n\nThe Outbuilding Exhibits subsection displays only when images are provided. All text displays above the image in bold font.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nApparent Defects, Damages, Deficiencies\n\n•\n\nImages provided for Apparent Defects, Damages, Deficiencies (Outbuilding) are delivered in the IMAGE container located in the\ninstance of the DEFECT container that represent the given defect.\n\n• The text “Apparent Defects, Damages, Deficiencies –” precedes the Feature - DefectComponentLabelType (UID: 3900.0164, FID:\n\n12.020.1). (Figure 12 - 9 and Figure 12 - 10)\n\n• An additional caption may be provided using ImageCaptionCommentDescription (UID: 3900.0173, FID: 12.020.2) and displays above\n\nthe image following the DefectComponentLabelType.\n\nFigure 12 - 10\n\nPage 212\n\nAdditional Exhibits\n\n• Additional images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 12.026.1) = “OutbuildingExhibit”.\n"}

chunks/json/01da7126bf3b365ef2b4f67afb6fbb93e6f6ae4d1d3a233addc236d85ced7ca1.json

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+{"chunk":{"char_end":160816,"char_start":159193,"chunk_id":"chk_58b75b30f59b8450","chunk_index":173,"chunk_sha256":"01da7126bf3b365ef2b4f67afb6fbb93e6f6ae4d1d3a233addc236d85ced7ca1","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"01da7126bf3b365ef2b4f67afb6fbb93e6f6ae4d1d3a233addc236d85ced7ca1","token_estimate":406,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Assignment Information Exhibits\n\nPage 103\n\nThe Assignment Information Exhibits subsection displays when images are provided. All text displays above the image in bold font.\n\n• Any images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 2.062.1) = “AssignmentExhibit”.\n•\nIf provided, an image caption is included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 2.062.2).\n\nAssignment – Arcrole Relationships\n\nArcrole relationships, establishes \"relationships\" or linkages in the XML data file that may be visually obvious on the URAR Report. In the\nXML data, specific instances of data points or containers must be connected to properly represent the information.\n\n• Containers or datapoints to be linked are identified using \"xlink:label.”\n• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships.\n\nINSPECTION to ROLE Appraiser/AppraiserSupervisor Performing the Subject Property Inspection.\n\nProvide one RELATIONSHIP container for each appraiser-related role (provided in the data set) joining the INSPECTION container to the\nPARTY container.\n\nAppraiser Role\n\nUnique ID\n\nParent Container\n\nMISMO Attribute Name\n\nSupported Attribute Enumerations\n\n1400.0348\n\nRELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/INSPECTION_CompletedBy_ROLE\n\n1400.0349\n\nRELATIONSHIP\n\n@xlink:from\n\n1400.0350\n\nRELATIONSHIP\n\n@xlink:to\n\n2400.0286\n\nINSPECTION\n\n@xlink:label\n\n2400.0045\n\nROLE\n\n@xlink:label\n\nINSPECTION_n\n\nROLE_n\n\nINSPECTION_n\n\nROLE_n\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 104\n\nAppraiser Supervisor Role\n"}

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+{"chunk":{"char_end":7820,"char_start":6005,"chunk_id":"chk_fd26326fee305935","chunk_index":3,"chunk_sha256":"01de76a08355c0ed6ec39b4a7ea6ce373d9670a1d0183c04afadde6e06bdfa44","date_utc":"2026-01-27T18:02:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_44e9380c1b097895","text_sha256":"01de76a08355c0ed6ec39b4a7ea6ce373d9670a1d0183c04afadde6e06bdfa44","token_estimate":454,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-march-release-notes-march-6-2024.pdf"]},"text":"•\n\nLength of Asset Verification Report and Data Sent to DU: A lender may receive the full asset verification report\n(including the entirety of the data provided to DU) or a shorter history (30- to 60-days), from their third-party\ndata provider. In any case, lenders are required to have access to the larger data set referenced to DU at the time\nof origination.\n\n• Asset Verification Report Retention Requirements: Lenders are responsible for retaining the asset verification\n\nreport containing all data provided to DU in the loan origination file or meeting alternative requirements\noutlined in the Selling Guide for retaining access to the asset account data.\n\n• No Selective Application on Casefile Level: If a lender opts in to the capability, then DU will attempt to\n\nevaluate all casefiles referencing an asset verification report for income and employment validation. A lender\ncannot selectively apply this feature on a casefile basis.\n\n© 2024 Fannie Mae\n\n2 of 4\n\n• Activation Request: Lenders are required to request activation to enable income and employment validation\n\nfrom asset account data. The activation request form can be found here.\n\nReferencing Asset Report Data to DU\n\nAsset verification reports are referenced within the loan application submitted to DU as described within the DVS Reference\nGuide. There are no changes that a lender needs to make when referencing these reports to achieve verification of income or\nemployment.\n\nDU Messages\n\nDU will return messages for each loan casefile where asset verification reports are referenced on the loan application and will\ninform the lender when these reports are used to support validation. The following table outlines the new and modified DU\nmessages that may apply to income and employment validation when using an asset verification report.\n"}

chunks/json/01f3f4c0d17892c9938562c83e6b5849ea16b001f7a98e213e235ae42f3af9c9.json

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+{"chunk":{"char_end":8936,"char_start":7193,"chunk_id":"chk_4f8ceabf57d9817e","chunk_index":4,"chunk_sha256":"01f3f4c0d17892c9938562c83e6b5849ea16b001f7a98e213e235ae42f3af9c9","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"01f3f4c0d17892c9938562c83e6b5849ea16b001f7a98e213e235ae42f3af9c9","token_estimate":436,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"allowable answers, and additional guidance.\n\no Note: Allowable answers with complex definitions are in a separate table.\n\nDocument Conventions\n\nThe following fonts and colors are used in this document:\n• Section names (black tabs) and subsections (gray bars, tables, or groupings of related information) are bold.\n• Report Field ID: A red number identifies the specific location of the field on the Restricted Appraisal Update\n\nReport.\n\no The number starts with the section number, as shown in Restricted Appraisal Update Report Section\n\nOrganization. For example, fields displaying in the Original Appraisal section start with 02.\n\no Not on Report indicates that the information is included in the data but does not display.\no Specific Report Field IDs for photos and images are not indicated in the Reference Guide. Refer to\n\nthe iGuide or UAD Spec for more information.\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 5 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nOverview\n\n• Green rows in tables in the Reference Guide represent information that is applicable only to FHA, VA, or\n\nUSDA appraisals.\n\n• Field Names in the Reference Guide use business terminology and are in italics.\n\no Field Names provide additional clarity to the Report Label, and express conditionality (“When to\n\ninclude”) in business terms.\n\no Field Names in the Reference Guide are similar to, but not the same as, the MISMO Data Point\n\nName in the iGuide and UAD Spec.\n\nKey Concepts\n\nRestricted Appraisal Update Report\n\nAn appraisal update is a new assignment that requires the appraiser to review the market conditions and certify\nthat values have not decreased since the effective date of the original appraisal, which is incorporated by\nreference.\n"}

chunks/json/01f44b7fe46a8c1d1f452e4bcfff3c18f17e489b25e1b3843a2677f2974232ba.json

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+{"chunk":{"char_end":23838,"char_start":22147,"chunk_id":"chk_1090b878635ee096","chunk_index":6,"chunk_sha256":"01f44b7fe46a8c1d1f452e4bcfff3c18f17e489b25e1b3843a2677f2974232ba","date_utc":"2026-01-27T17:46:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6fe7d203f7e30930","text_sha256":"01f44b7fe46a8c1d1f452e4bcfff3c18f17e489b25e1b3843a2677f2974232ba","token_estimate":421,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Single_Family_Homepage___Fannie_Mae_vjl8b.md"]},"text":"- **Innovative Mortgage Solutions** for today’s homebuyers\n- **Clear, Consistent Pricing** in all markets at all times\n- **Powerful Technology** and streamlined, value-driven servicing tools\n- **Ease of Doing Business** without a pre-purchase review or fees\n- **Fast Funding** available as soon as the same day loans are certified\n- **Service and Support** offers the answers you need quickly\n[Get started](/become-fannie-mae-seller-or-servicer)\n\n## Affordable Homeownership\n\nFannie 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.\n\n## Creating Opportunities\n\nSince 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.\n\n### Featured Products\n\n##### RefiNow\n\nA refinance option that provides expanded eligibility, resulting in new opportunities for you and your borrowers.\n\n[Learn more **](/originating-underwriting/refinow-expanding-refinance-eligibility-qualifying-homeowners)\n\n##### HomeReady Mortgage\n\nHomeReady®’s innovative income flexibilities can help your customers qualify for an affordable mortgage with a down payment as low as 3%.\n\n[Learn more **](/originating-underwriting/mortgage-products/homeready-mortgage)\n\n##### HomeStyle Renovation\n\nLearn 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.\n"}

chunks/json/01fd6d89e67b041067dee4d74be9db27c06a4d3ddde010cf345590da82ecedf6.json

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+{"chunk":{"char_end":14145,"char_start":12724,"chunk_id":"chk_079a2b3eac19f405","chunk_index":5,"chunk_sha256":"01fd6d89e67b041067dee4d74be9db27c06a4d3ddde010cf345590da82ecedf6","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"01fd6d89e67b041067dee4d74be9db27c06a4d3ddde010cf345590da82ecedf6","token_estimate":422,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"SB2-3-02, Special Property Eligibility and Underwriting\nConsiderations: Factory-Built Housing (12/10/2025)\n\nSB2-3-03, Special Property Eligibility and Underwriting\nConsiderations: Leasehold Estates (06/04/2025)\n\nB2-3-04, Special Property Eligibility Considerations\n(12/10/2025)\n\nSB2-3-04, Special Property Eligibility Considerations\n(12/10/2025)\n\nB2-3-05, Properties Affected by a Disaster\n(09/03/2025)\n\nSB2-3-05, Properties Affected by a Disaster (09/03/2025)\n\nB3-3.1-08, Rental Income (10/08/2025)\n\nSB3-3.1-08, Rental Income (10/08/2025)\n\nB4-1.1-01, Definition of Market Value (06/04/2025)\n\nSB4-1.1-01, Definition of Market Value and Alternate\nOpinion(s) of Value (06/04/2025)\n\nB4-1.1-02, Lender Responsibilities (09/03/2025)\n\nSB4-1.1-02, Lender Responsibilities (09/03/2025)\n\nB4-1.1-03, Appraiser Selection Criteria (06/04/2025)\n\nSB4-1.1-03, Appraiser Selection Criteria (06/04/2025)\n\nB4-1.1-04, Unacceptable Appraisal Practices\n(06/04/2025)\n\nSB4-1.1-04, Unacceptable Appraisal Practices\n(06/04/2025)\n\nB4-1.1-05, Disclosure of Information to Appraisers\n(06/04/2025)\n\nSB4-1.1-05, Disclosure of Information to Appraisers\n(06/04/2025)\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 6 of 166\n\nUAD 3.6 Policy\n\nB4-1.1-06, Uniform Appraisal Dataset (UAD) and the\nUniform Collateral Data Portal (UCDP) (06/04/2025)\n\nSB4-1.1-06, Uniform Appraisal Dataset (UAD) and the\nUniform Collateral Data Portal (UCDP) (06/04/2025)\n"}

chunks/json/01fef86688a8f8184a3e9035c7dc96b859a89274f707ce77c3a7ccfd90981f88.json

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+{"chunk":{"char_end":171197,"char_start":169524,"chunk_id":"chk_6ab87401c6dee6c9","chunk_index":96,"chunk_sha256":"01fef86688a8f8184a3e9035c7dc96b859a89274f707ce77c3a7ccfd90981f88","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"01fef86688a8f8184a3e9035c7dc96b859a89274f707ce77c3a7ccfd90981f88","token_estimate":418,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 72 of 166\n\nUAD 3.6 Policy\n\nSB4-1.3-02, Subject Listing Information, Sales Contract, Prior Sale, and\nTransfer History (06/04/2025)\n\nIntroduction\n\nThis topic contains information on reviewing the following parts of the appraisal report:\n\nSubject Property\nListing History\nSales Contract\n\n•\n•\n•\n• Prior Sale and Transfer History – Subject\n• Prior Sale and Transfer History – Comparable Sale\n\nSubject Property\n\nThe appraiser must identify the subject property by its complete property address and legal description. The appraiser must enter\nthe physical property address, including the unit number for a condo, in a format that conforms to the United States Postal\nService (USPS) address standards in Publication 28 – Postal Addressing Standards (pub28) for complete addresses. Postal\naddress standards can be found at usps.com. The subject property address must be populated consistently throughout the\nappraisal report.\n\nWhen the legal description is lengthy, the appraiser may type the full legal description or attach it as an image in the section. The\nappraiser must also identify the property rights to be appraised. (For eligibility requirements, see SB2-3-01, General Property\nEligibility.)\n\nFannie Mae's appraisal report requires the appraiser to research and identify whether the subject property is currently for sale or\nif it has been offered for sale in the 12 months prior to the effective date of the appraisal. If the subject property is currently under\ncontract as part of a purchase, the appraiser must identify and provide the information for all data points within the sales\ncontract section of the URAR.\n"}

chunks/json/0229f70ccfca890bfb56349310f96461e3d2a0a297c620c68f2eb4e57094256e.json

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+{"chunk":{"char_end":158001,"char_start":156401,"chunk_id":"chk_286d97d1d6c467f6","chunk_index":73,"chunk_sha256":"0229f70ccfca890bfb56349310f96461e3d2a0a297c620c68f2eb4e57094256e","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"0229f70ccfca890bfb56349310f96461e3d2a0a297c620c68f2eb4e57094256e","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"4.2.3 (2) |\n20.6\n\nAdjusts every n\nyears starting in\nyear n\n\n…/INTEREST_RATE_\nPER_CHANGE_ADJU\nSTMENT_RULES/INT\nEREST_RATE_PER_C\nHANGE_ADJUSTME\nNT_RULE\n\nCeilingRatePercent 12.0000\n\nCeilingRatePercentE\narliestEffectiveMont\nhsCount\n\n168\n\nFirstRateChangeMo\nnthsCount\n\n60\n\nAdjustmentRuleTyp\ne\n\nFirst\n\nPerChangeRateAdju\nstmentFrequencyM\nonthsCount\n\n36\n\nRepresented as\n“12%” on Loan\nTerms table\n\nRepresented as\n“Year 15” on form\n\nRepresented as\n“Year 6” on Loan\nTerms table\n\nRepresented as\n“starting in” Loan\nTerms table\n\nRepresented as\n“every 3 years” on\nLoan Terms table\n\ni. MAPPI NG GUIDANCE\n\nSee V. Consolidated Mapping Guidance entry for Interest Rate Adjustment.\n\nb. TEMPORARY BUYDOWN LOANS\n\n4.0 Loan Terms\n\n4.0\n\nCan this amount increase after closing?\n\n4.2 Interest Rate\n\n4.2.1 2.875%\n\n4.2.2 YES\n\n4.2.3 • Adjusts every year starting in year 2\n• Goes as high as 5.875% in year 4\n• See AIR Table on page 4 for details\n\nFigure 39. Temporary Buydown Loans\n\nThe following table illustrates the data points that need to be supplied for a loan with a temporary buydown.\n\nTable 55. Loans with Temporary Buydowns\n\nID\n(bullet)\n\n4.2.3 (2) |\n20.3\n(max)\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0\nData Point\n\nMISMO v3.3.0\nValue\n\nNotes\n\nGoes as high as\n__% in year _#_\n\n…/BUYDOWN_RUL\nE\n\nNoteRatePercent\n\n5.8750\n\nROF as 5.875%\n\nAppendix E: UCD Implementation Guide\n\nPage 68 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n4.0 Loan Terms\n\nTable 55. Loans with Temporary Buydowns\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0\nData Point\n\nMISMO v3.3.0\nValue\n\nNotes\n\nAdjusts every year\nstarting in year 2\n"}

chunks/json/0230b5fa87193ef7ba45c762b82f07cc608eea4084256b5f268883c3e81cfae9.json

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+{"chunk":{"char_end":11964,"char_start":11855,"chunk_id":"chk_bee1891bb6a26135","chunk_index":3,"chunk_sha256":"0230b5fa87193ef7ba45c762b82f07cc608eea4084256b5f268883c3e81cfae9","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"0230b5fa87193ef7ba45c762b82f07cc608eea4084256b5f268883c3e81cfae9","token_estimate":27,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf","below_target_min_tokens"]},"text":"Appendix E: UCD Implementation Guide\n\nPage 3 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nTable of Contents\n"}

chunks/json/0236b322fda600d0b20b51aac9450fb06d063c2eb7be8591fe286cb3b9bbafb8.json

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+{"chunk":{"char_end":13419,"char_start":11775,"chunk_id":"chk_e20bdd1530c90708","chunk_index":7,"chunk_sha256":"0236b322fda600d0b20b51aac9450fb06d063c2eb7be8591fe286cb3b9bbafb8","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_755fd4ce20691826","text_sha256":"0236b322fda600d0b20b51aac9450fb06d063c2eb7be8591fe286cb3b9bbafb8","token_estimate":416,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Duty_to_Serve_Program___FHFA_rjdacs.md"]},"text":"Use the drop-down menus to submit comments on specific Duty to Serve requests for public comments, or to provide general input on the Duty to Serve program. You can also view previously submitted comments.\n\n#### Submit Your Own Input\n\n[Duty to Serve General Input](/public-input/duty-to-serve-general-input)\n\n#### View Previous Input\n\n[RFI on Proposed 2025-2027 DTS Plans](/public-input/rfi-on-proposed-2025-2027-dts-plans)\n\n[2023 DTS Proposed Modifications RFI](/public-input/2023-dts-proposed-modifications-rfi)\n\n[2023 DTS Listening Sessions Input](/public-input/2023-duty-to-serve-listening-sessions)\n\n[Fannie Mae LIHTC Modification RFI Input](/public-input/duty-to-serve-modification-request-fannie-mae-spring-2023)\n\n[Colonias Rulemaking Input](/regulation/federal-register?tab=comments)\n\n[View Archived Comments](/programs/duty-to-serve-resources#Developer-Materials)\n\n## Explore Duty to Serve\n\n[Image\n\n![dts program overview image](/sites/default/files/styles/large/public/2023-07/DTS-Program-Overview-Image-Feb-2022_2.png?itok=5rm-dx4-)](/sites/default/files/documents/Duty-to-Serve-Program-Overview-February-2022.pdf)\n\nWant to learn more about how the DTS program works? Learn about the underserved markets, process timeline, plan structure, statutory and regulatory activities, evaluation process, and more.\n\n[View Slideshow](/sites/default/files/documents/Duty-to-Serve-Program-Overview-February-2022.pdf)\n\n## Archive​​\n\nThere are many resources to help you better understand the Duty to Serve program, annual processes, markets, and plans.\n\n[Evaluation Guidance](/programs/duty-to-serve-resources#EvaluationGuidance)\n"}

chunks/json/0237016a63ddefb6bd07f41299a31cbf7ba55afee120237507b1dfd8a38ff2e5.json

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+{"chunk":{"char_end":189730,"char_start":188107,"chunk_id":"chk_85c933bf058b5dea","chunk_index":105,"chunk_sha256":"0237016a63ddefb6bd07f41299a31cbf7ba55afee120237507b1dfd8a38ff2e5","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"0237016a63ddefb6bd07f41299a31cbf7ba55afee120237507b1dfd8a38ff2e5","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Instead of a UCD v2.0 Spec excerpt for these repetitive containers and data points, Figure 62 illustrates the concept of\n\ncontainment and repeating containers using the data points supporting the Other Costs table.\n\nUCD v2.0 Implementation Guide\n\n- 81 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 62. INTEGRATED_DISCLOSURE_SECTION_SUMMARY Containment Example.\n\nThe XML snippet illustrates instances of INTEGRATED_DISCLOSURE_SECTION_SUMMARY required for a purchase for the\n\nOther Costs table and the Summaries of Transactions.\n\nFigure 63. XML Snippet-INTEGRATED_DISCLOSURE_SECTION_SUMMARIES-Other Costs Table.\n\n<MESSAGE>\n…\n<DEAL>\n <LOANS>\n <LOAN>\n\n<DOCUMENT_SPECIFIC_DATA_SETS>\n <DOCUMENT_SPECIFIC_DATA_SET>\n\n<INTEGRATED_DISCLOSURE>\n\n<INTEGRATED_DISCLOSURE_SECTION_SUMMARIES>\n <INTEGRATED_DISCLOSURE_SECTION_SUMMARY>\n\n<INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL>\n\n<IntegratedDisclosureSectionTotalAmount>750.00</IntegratedDisclosureSectionTotalAmount>\n <IntegratedDisclosureSectionType>TaxesAndOtherGovernmentFees</IntegratedDisclosureSectionType>\n\n</INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL>\n\n</INTEGRATED_DISCLOSURE_SECTION_SUMMARY>\n <INTEGRATED_DISCLOSURE_SECTION_SUMMARY>\n\n<INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL>\n\n<IntegratedDisclosureSectionTotalAmount>337.00</IntegratedDisclosureSectionTotalAmount>\n <IntegratedDisclosureSectionType>Prepaids</IntegratedDisclosureSectionType>\n\n</INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL>\n\n</INTEGRATED_DISCLOSURE_SECTION_SUMMARY>\n <INTEGRATED_DISCLOSURE_SECTION_SUMMARY>\n\n<INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL>\n"}

chunks/json/0245b27b6acb713d02c9ac31a9ce38b3dd657fd9ce91e98ac9a7fbb7fcb4f332.json

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+{"chunk":{"char_end":39474,"char_start":37677,"chunk_id":"chk_49f3bdabe150d33a","chunk_index":21,"chunk_sha256":"0245b27b6acb713d02c9ac31a9ce38b3dd657fd9ce91e98ac9a7fbb7fcb4f332","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"0245b27b6acb713d02c9ac31a9ce38b3dd657fd9ce91e98ac9a7fbb7fcb4f332","token_estimate":450,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"The quickest way to add a large amount of loan and commitment data to Loan Delivery is to import a\nfile. The Loan Delivery application supports the ability to import either uncompressed or compressed\nfiles and is limited to a maximum number of 10,000 loans per file. Files can be compressed by\nencoding the information using fewer bits in order to reduce its original size. File compression can be\nachieved using WinZip® the Windows Zip (.zip format) utility, which is the only compression format\nthat Fannie Mae supports. The file compression could shrink the file size by 80–90 percent that will\nhelp to reduce the file import waiting time.\n\nIf the loan delivery XML file contains over 10,000 loans it will not be processed by Loan Delivery\nand the system will generate the following error message: “Import file exceeds maximum\nreasonable size.” This error message applies to either compressed or uncompressed files since\nit is based on a maximum number of loans.\n\nReducing the number of loans in the loan delivery XML file will help reduce the file size and prevent\nreceiving an error message. Submitting smaller files will be easier when reviewing error messages\nas the Import Status Report or Package Edits information will be related to each individual file.\nFannie Mae does not recommend using splitting tool software since this may create problems with\nthe structure of the loan delivery XML file.\n\n5.9. Special Characters\n\nThere are several reserved characters that cannot be included in the value of a data point unless they\nare properly “escaped.” The following table shows common characters and corresponding character\nencodings that must be properly escaped for the loan delivery XML file to be valid. (This table does not\ncontain a comprehensive list of all the reserved characters.)\n"}

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+{"chunk":{"char_end":66377,"char_start":65707,"chunk_id":"chk_7a9c8c3122bc3448","chunk_index":106,"chunk_sha256":"02466cf40a6e84efe159726621ad29b45594bdb5c607f6a258492eb680e52b0c","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"02466cf40a6e84efe159726621ad29b45594bdb5c607f6a258492eb680e52b0c","token_estimate":573,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Gross Rent Multiplier Comparables ......................................................................................................................................................................................... 320\n\nIndicated Value by Income Approach ...................................................................................................................................................................................... 321\n\nIncome Approach Commentary ............................................................................................................................................................................................... 321\n"}

chunks/json/024befd2b8d36782c002122234a291c6f7fb4dd05419f42a3eef58d721cf162d.json

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+{"chunk":{"char_end":76112,"char_start":74505,"chunk_id":"chk_38625014b30ea2f9","chunk_index":90,"chunk_sha256":"024befd2b8d36782c002122234a291c6f7fb4dd05419f42a3eef58d721cf162d","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"024befd2b8d36782c002122234a291c6f7fb4dd05419f42a3eef58d721cf162d","token_estimate":402,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"SITE INFLUENCE TABLE\n\n•\n\n“Site Influence Commentary” sets as TXC-B x 45 picas (bold lead in to Myriad Pro Regular\ntext).\n\nWater Frontage with Private Access (H2)\n\nLeft-hand side of page\n\n•\n\n“Total Linear Measurement” sets as TXR-B, TXR.\n\nRight-hand side of page\n\n•\n\n“Permanent Waterfront Feature” sets as TXR-B, TXR with “Right to Build” below TXR-I, TXR.\n\nWater Frontage table\n\n• Column heads “Frontage,” “Name,” “Waterfront Access Rights,” “Access Depth” — set as TCH\n\nin 4 equal width column table x 45 picas.\n\n• Content sets as TB (~45 characters max per line in each cell).\n\nWATER FRONTAGE TABLE\n\n•\n\n“Water Frontage Commentary” sets as TXC-B x 45 picas (bold lead in to Myriad Pro Regular\ntext).\n\nAppendix E: Report Style Guide\n\nPage 38 of 90\n\nVersion 1.4\n\nView and Impact to Value/Marketability (H1)\n\nView table\n\n• Column heads: “View,” “Range of View,” “Impact” set as TCH in 3 equal width column table x\n\n45 picas.\n\n•\n\nIf multiple Views, “(Primary)” sets with primary view.\n\n• Content sets as TB (~60 characters max per line in each cell).\n\nVIEW TABLE\n\n• “View Commentary” sets as TXC-B x 45 picas (bold lead in to Myriad Pro Regular text).\n\nSite Features and Impact to Value/Marketability (H1)\n\nSite Features table\n\n• Column heads: “Feature,” “Detail,” “Impact,” “Comment” set as TCH in 4 column table x 45\n\npicas.\n\n• Columns 1 and 2: 11 picas 3 points wide (~45 characters max per line in each cell).\n\n• Column 3:\n\n5 picas wide (~20 characters max per line in each cell).\n\n• Column 4:\n\n17 picas 6 points wide (~70 characters max per line in each cell).\n\n• Content sets as TB.\n\nSITE FEATURES TABLE\n"}

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+{"chunk":{"char_end":1762,"char_start":0,"chunk_id":"chk_b48903f7efaad023","chunk_index":0,"chunk_sha256":"0269a8c95b1b66879c0c5e5292d15f57e457a4bc31acf070588d3c734a7a57ef","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1f743f9985a9d805","text_sha256":"0269a8c95b1b66879c0c5e5292d15f57e457a4bc31acf070588d3c734a7a57ef","token_estimate":535,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Enterprise_Multifamily_Public_Use_Database_Dashboa_imboig.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/dashboard/enterprise-multifamily-public-use-database\"\ndate_accessed: \"2026-01-27T18:10:56.157Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}

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+{"chunk":{"char_end":3063,"char_start":1621,"chunk_id":"chk_7e5a908472c4c73a","chunk_index":1,"chunk_sha256":"02860846f7e3cf3b4fc371540d9de215dec72183a23d5d0a89f19c6347534232","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"02860846f7e3cf3b4fc371540d9de215dec72183a23d5d0a89f19c6347534232","token_estimate":361,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"o Change to form field name reference in Appendix I for GSE data points\n\n• General editing that did not change information is not noted\n\no In Appendix I excerpts, changed column heading to “MISMO v3.3.0 Context” and\n\nreduced XPath length\n\nChanged Sections, Subsections or Tables are noted with “UPDATED” or “NEW” labels.\nChanged text is highlighted in light yellow.\n\n• Revisions to align with Appendix I updates v1.3 and 1.4.\n\n• Major revisions for clarity, conciseness and accuracy based upon updates to UCD\n\nSpecification since 7-17-2014\n\n• Addition of the following subsections to each Section:\n\no Closing Disclosure Types using the section\no A. Mapping Guidance – reorganized to be included, if applicable, under Appendix I\n\nexcerpts.\n\no For More Information—instead of footnotes throughout the text, this section\n\nprovides the Reg references by Form Field ID for the section.\n\n• Intra-form cross referencing hyperlinks have been added throughout the document and\n\nare identified by blue underlined text\n\nJune 30, 2015\n\n1.1\n\n• Integration of new data points added to the UCD dataset since initial publication of this\n\ndocument in July 2014\n\n• Added section describing XML file payload structures\n• Added section on GSE-Required data\n• Added section on Split Disclosures\n\nJuly 15, 2014\n\n1.0\n\n• Initial version\n\nAppendix E: UCD Implementation Guide\n\nPage 2 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nTable of Contents\n\nTABLE OF CONTENTS\n"}

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+{"chunk":{"char_end":3211,"char_start":1610,"chunk_id":"chk_f2c1cac913775bef","chunk_index":1,"chunk_sha256":"0287c219f71eec626c881393896b6a5fa613fa54137f0ecba3a4b9f9cb4cee21","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"0287c219f71eec626c881393896b6a5fa613fa54137f0ecba3a4b9f9cb4cee21","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Scenario_2_Appraisal/_.pdf/2-to4-unit_Scenario_2_Appraisal_v1.1.pdf"]},"text":"D\n\no Additional row for Amenities\n\nNote: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to\ninformation in the URAR.\n\nThe URAR sample scenario begins on the next page.\n\nThis cover section, including Introduction and Key Characteristics,\n\nis not part of the URAR.\n\nUniform Residential Appraisal Report\n\n171 COWBOY LN, ANYPLACE, TX 01234\n\nSUMMARY\n\nOpinion of Market Value\n\n$785,000\n\nMarket Value Condition\n\nAs Is\n\n+.5 li #\n\nonly in\n\nSummary\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\nCurrent Owner of Public Record\nListing Status\n\n05/01/2023\nRefinance\nJohn Seller\nJohn Seller\nNone\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nJohn P. Appraiser\n\nProperty Description\n\nConstruction Method\nAttachment Type\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nSubject Site Owned in Common\n\nSite Built\nDetached\n\nOverall Quality\nOverall Condition\n\nQ4\nC3\n\nYes No\n \n \n \n \n \n\nYes No\n \n\nThis is where the Dwelling Front photo would display.\n\nUnits Excluding ADUs\nAccessory Dwelling Units\nProperty Rights Appraised\n\n4\n0\nFee Simple\n\nIs the highest and best use of the subject property as\nimproved (or as proposed per plans and specifications)\nthe present use?\n\nZoning Compliance\n\nLegal\n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nNone\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 2 of 26\nPage 2 of 26\n\nProperty Valuation Method\n\nTraditional Appraisal\n"}

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+{"chunk":{"char_end":523147,"char_start":521537,"chunk_id":"chk_fabf02b98f2c50f6","chunk_index":297,"chunk_sha256":"02a21d0edbe6a62e2ddb9304f05a4ab7e5b1ec813991712c320a2bb68bafee52","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"02a21d0edbe6a62e2ddb9304f05a4ab7e5b1ec813991712c320a2bb68bafee52","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"IN DICATORS /\nEN UMERATIONS\n(YES OR NO /\nCHECKBOXES)\n\nIN TEREST RATE\nADJUSTMENT\n\nThe Closing Disclosure requires several questions to be answered, “YES” or “NO ;” however,\nthe data points most often supporting these values are Boolean indicators requiring values of\n“true” and “false”. Implementers will need to supply an acceptable value in the XML file, which\nmust then be represented as “YES” or “NO ” on the Closing Disclosure.\nIn the sections of the Loan Costs and Other Costs tables using the FEE structure, the value of\nFeePaymentPaidOutsideOfClosingIndicator determines whether the associated fee was paid At\nClosing (“false”) or Before Closing (“true”).\nAnother representation of data points ending in “Indicator” is a check mark in an appropriate\nbox. On the Closing Disclosure, check boxes usually appear in pairs to convey the basic\nstatements: “does” or “does not”. An Indicator with a value of “true” will be represented on\nthe form as a checked box next to “the feature does exist” statement and “false” will be\nrepresented on the form as a checked box next to the “feature does not exist” statement. For\nexample: “Your loan  has a demand feature….” and “Your loan  does not have a demand\nfeature….”\nIn some instances, the presence of a specific enumerated value may be represented on the\nClosing Disclosure as a checkbox. For example: Within the Estimated Taxes, Insurance &\nAssessments section, the presence of the data point\nProjectedPaymentEstimatedTaxesInsuranceAssessmentComponentType =\n“HomeownersInsurance” is represented on the form as “This estimate includes \nHomeowners Insurance.”\n"}

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+{"chunk":{"char_end":416034,"char_start":414433,"chunk_id":"chk_e63bbc8b75a182be","chunk_index":325,"chunk_sha256":"02a50a67adc0fd9783716be414774211174dbd2a9077a9b258461a51d7c44c43","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"02a50a67adc0fd9783716be414774211174dbd2a9077a9b258461a51d7c44c43","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"The Indicated Value by Cost Approach subsection displays when the Cost Approach section is included. (Figure 25 - 1)\n\n•\n\nIndicated Value by Cost Approach - ValueIndicatedByCostApproachAmount (UID: 1300.0001, FID: 25.000)\n\no Displays in the subsection header\n\nCalculated: Depreciated Cost of Dwellings + Depreciated Cost of Outbuildings + As-Is Value of Other Site Improvements +\nOpinion of Site Value\n\n• Depreciated Cost of Dwellings - DepreciatedCostDwellingsTotalAmount (UID: 1100.0026, FID: 25.001)\n\no Total depreciation for all dwellings\n\n▪ Calculated: Sum of ImprovementEstimatedTotalCostAmount (UID: 1100.0053, FID: 25.018) for all dwellings\n\n• Depreciated Cost of Outbuildings - DepreciatedCostOutbuildingsTotalAmount (UID: 1100.0027, FID: 25.002)\n\no Total depreciation for all outbuildings\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n▪ Do not display when there are no outbuildings\n\n▪ Calculated: Sum of ImprovementEstimatedTotalCostAmount (UID: 1100.0084, FID: 25.036) for all outbuildings in the Cost\n\nApproach.\n\n• As Is Value of Site Improvements – SiteOtherImprovementsAsIsAmount (UID: 1100.0032, FID: 25.003)\n\nPage 327\n\no Deliver even if the value is zero\n\n• Opinion of Site Value - SiteEstimatedValueAmount (UID: 1100.0030, FID: 25.004)\n\no Deliver even if the value is zero\n\nFigure 25 - 1\n\nDepreciated Cost – Dwelling – [Structure Identifier]\n\nThe Depreciated Cost – Dwelling subsection displays when CostApproachIndicator = \"true\".\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 328\n\nDwelling\n\n• When Dwellings Containing Units - DwellingCount (UID: 0100.0056, FID: 3.007) = 1\n"}

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+{"chunk":{"char_end":11298,"char_start":9694,"chunk_id":"chk_d82b11a19b975525","chunk_index":6,"chunk_sha256":"02b03c13ece44407ce01d64a0bc2163bf520234cf5e3d8a0d4b5f99d745998cd","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_6a2eba25bc68c7d2","text_sha256":"02b03c13ece44407ce01d64a0bc2163bf520234cf5e3d8a0d4b5f99d745998cd","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.xml/MH2_Appraisal_v1.3.xml"]},"text":"OutdoorLiving\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nC2\n\nQ3\n\nfalse\n\ntrue\n\nfalse\n\nfalse\n\nfalse\n\n2021-11-15\n\n2022-01-28\n\n247000\n\nSale\n\nNone\n\nConcrete\n\nOther\n\nHighway\n\nPublicStreet\n\nfalse\n\nTopography\n\nFlat\n\nBusyRoadway\n\n20037\n\nFull\n\nResidential\n\nNoZoning\n\n3026 Old West St\n\nSomecity\n\n12345\n\nTN\n\nDriveway\n\nConcrete\n\n2\n\nfalse\n\n400\n\nAttached\n\nGarage\n\n2\n\n0\n\nContractDate\n\n0\n\nSiteSize\n\n0\n\nNeighborhoodName\n\n0\n\nTopography\n\n-15000\n\nSiteInfluence\n\n10270\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n10000\n\nOverallConditionRating\n\n-5000\n\nOutdoorLivingAmenity\n\n0\n\nVehicleStorage\n\n285270\n\nSouthWest\n\nMost\n\nfalse\n\nfalse\n\n195\n\n4\n\n2\n\n270\n\ntrue\n\nDwelling\n\n2020\n\nfalse\n\nMultiWide\n\n1410\n\n0\n\nfalse\n\n3\n\n2\n\n0\n\nC3\n\nQ3\n\nMetal plumbing fixtures\n\nFullyUpdated\n\nEnergy Star appliances and wood cabinets\n\nKitchen\n\nPartiallyUpdated\n\nManufactured\n\nSiteBuilt\n\nAluminum\n\nTypicalWearAndTear\n\nExteriorWallsAndTrim\n\nCrawlSpace\n\nFoundation\n\ntrue\n\nTypicalWearAndTear\n\nRoof\n\nC3\n\nQ3\n\n1\n\nCentralized\n\nElectric\n\nOther\n\nHeat Pump\n\nPropertyPhoto\n\n\\\\Images\\MH2_Comp4.jpg\n\nimage/jpeg\n\n92\n\n285000\n\nPending\n\n25.165169\n\n-51.328129\n\nSouthwest Lake Gardens\n\nPorch\n\nDeck\n\nOutdoorLiving\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nC3\n\nQ3\n\nfalse\n\ntrue\n\nfalse\n\nfalse\n\n275000\n\n2022-03-08\n\nNone\n\nAsphalt\n\nLocal\n\nPublicStreet\n\nfalse\n\nTopography\n\nSloping\n\nResidential\n\nLake\n\nBodyOfWater\n\n13068\n\nFull\n\nResidential\n\nLegal\n\n234183 Starmind Dr\n\nSomecity\n\nAlpine\n\n12345\n\nTN\n\n1\n\n25.165174\n\n-51.328124\n\nAssessorUnformattedIdentifier\n\nERW 10149852 - 12\n\n2021-04-15\n\n32000\n\nSale\n\n12632\n\n105853 Gao St\n\nSomecity\n\nAlpine\n\n12345\n\nTN\n\n2\n\n25.165175\n\n-51.328123\n\nAssessorUnformattedIdentifier\n\nERW 13249582 - 12\n"}

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+{"chunk":{"char_end":3585,"char_start":3013,"chunk_id":"chk_54724e6f7f4ff46c","chunk_index":3,"chunk_sha256":"02b5a81ac668591344a3fb0e5d535b2d5d20d5d322a7f75711ff67150282db4c","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"02b5a81ac668591344a3fb0e5d535b2d5d20d5d322a7f75711ff67150282db4c","token_estimate":433,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Additional Comments Section ...................................................................................................................... 58\nReconciliation Section .................................................................................................................................. 60\n\nAppraiser Certification Section .................................................................................................................... 63\nExhibit 1: Requirements – Condition and Quality Ratings Usage ............................................... 63\n"}

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+{"chunk":{"char_end":752436,"char_start":750643,"chunk_id":"chk_90430d8a282c3b6b","chunk_index":448,"chunk_sha256":"02b657da08237c039a2a88683efe374e50d2f3ed8db2ffde917880fb09b0dbc3","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"02b657da08237c039a2a88683efe374e50d2f3ed8db2ffde917880fb09b0dbc3","token_estimate":448,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The appraiser must identify the extent of their inspection scope of work, which determines which of three\npredefined versions of Cert 10 displays.\n\nAppraiser Certifications: Cert 10 (Subject Property Inspection by Appraiser)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n29.030 This is an\n\nAlways required\n\nappraiser input\nthat does not\ndisplay\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nAppraiser Subject Property Inspection\nThe inspection attestation included by the appraiser in the valuation\ncertifications for the assignment. Determines which predefined version of Cert\n10 displays.\n•\n•\n•\n\nInterior and Exterior\nExterior\nNo Inspection\n\n29.030\n\nI personally\nperformed an\nonsite …\n\nPredefined text that\ndisplays when\nAppraiser Subject\nProperty Inspection is\nInterior and Exterior\n\nAppendix F-1: URAR Reference Guide\n\nPage 341 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n29 Certifications and Scope of Work\n\nAppraiser Certifications: Cert 10 (Subject Property Inspection by Appraiser)\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nReport\nField ID\n\n29.030\n\nI personally\nperformed an\ninspection of the\nexterior areas …\n\n29.030\n\nI did not\npersonally\nperform an\nonsite …\n\nPredefined text that\ndisplays when\nAppraiser Subject\nProperty Inspection is\nExterior\n\nPredefined text that\ndisplays when\nAppraiser Subject\nProperty Inspection is\nNo Inspection\n\nCert 21 (Significant Real Property Appraisal Assistance)\n\nThe predefined text for Cert 21 varies depending on whether there is significant real property appraisal\nassistance, as displayed in the Significant Real Property Appraisal Assistance subsection of Assignment\nInformation (2.047-2.052).\n"}

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+{"chunk":{"char_end":1720,"char_start":0,"chunk_id":"chk_e4f5462111e59445","chunk_index":0,"chunk_sha256":"02b798f8c1f5385cb415ed78019296711e0e56513c651537ce77f376d3ade426","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4aac393be9462776","text_sha256":"02b798f8c1f5385cb415ed78019296711e0e56513c651537ce77f376d3ade426","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fact_Sheets___FHFA_dzrdl.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/news/fact-sheet\"\ndate_accessed: \"2026-01-27T17:48:02.304Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}

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+{"chunk":{"char_end":243646,"char_start":242265,"chunk_id":"chk_1b788299954fd6b9","chunk_index":126,"chunk_sha256":"02d86e20d8c4e44963973ee80a13f37e037d8b7216e6f3b1cb573ec8cbdf8fe2","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"02d86e20d8c4e44963973ee80a13f37e037d8b7216e6f3b1cb573ec8cbdf8fe2","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Appendix E: UCD Implementation Guide\n\nPage 110 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n7.0 Loan Costs Table\n\n7.0 LOAN COSTS TABLE\n\nAs shown in Figure 76, the first half of the Closing Cost Details page contains the Loan Costs table. The Loan\nCosts table reflects the costs related to credit and underwriting approval and required property-related fees.\n\nLo a n C o s ts\n\n7.0\n\nBorrower-Paid\n\nSeller-Paid\n\nAt Closing\n\nBefore Closing\n\nAt Closing\n\nBefore Closing\n\nPaid by\nOthers\n\n7.1 A. Origination Charges\n\n7.1.1 $1,802.00\n\n01 7.2.1 0.25% of Loan Amount 7.2 (Points)\n\n7.2.2\n\n$405.00 7.2.3\n\n7.2.4\n\n7.2.5\n\n7.2.6\n\n7.4 B. Services Borrower Did Not Shop For\n\n7.4.1 $236.55\n\n01 7.5 Appraisal Fee 7.5.1 to John Smith Appraisers\n\n7.5.2\n\n7.5.3\n\n7.5.4\n\n7.5.5\n\n7.5.6 $405.00\n\n7.6 C. Services Borrower Did Shop For\n\n7.6.1 $2,655.50\n\n01 7.7Pest Inspection Fee 7.7.1\n\nto Pests Co.\n\n7.7.2\n\n$120.50 7.7.3\n\n7.7.4\n\n7.7.5\n\n7.7.6\n\n7.8 D. TOTAL LOAN COSTS (Borrower-Paid)\n\n7.8.1 $4,694.05\n\n7.9 Loan Cost Subtotals (A + B + C)\n\n7.9.2 $4,664.25 7.9.3\n\n$29.80\n\nFigure 76. Loan Costs Table\n\nA. CATEGORY AND SUBCATEGORY DATA\n\nTable 94 illustrates that multiple instances of INTEGRATED_DISCLOSURE_SECTION_SUMMARY identify and\nconvey headings, totals and subtotals for the Loan Costs table. The data points supporting the line items for\neach subcategory come from the body of the MISMO Reference Model.\n"}

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+{"chunk":{"char_end":11776,"char_start":10131,"chunk_id":"chk_d0cf3218b84e0ef5","chunk_index":6,"chunk_sha256":"02e9e178b3fe1153d8bdf502c554ce27272c8294b081e56b2afdc5fa5308d977","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f095660b2a4ef4ba","text_sha256":"02e9e178b3fe1153d8bdf502c554ce27272c8294b081e56b2afdc5fa5308d977","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/News_Releases___FHFA_ghc8ke.md"]},"text":"## [FHFA House Price Index® Up 0.4 Percent in October; Up 1.7 Percent from Last Year](/news/news-release/fhfa-house-price-index-up-0.4-percent-in-october-up-1.7-percent-from-last-year)\n\nWashington, D.C. – U.S. house prices rose 0.4 percent in October, according to the U.S. Federal Housing (FHFA) seasonally adjusted monthly House Price Index (FHFA HPI®). House prices rose 1.7 percent from October 2024 to October 2025. The previously reported 0.0 percent price change in September was...\n - News Release\n\nDecember 23, 2025\n\n## [Fannie and Freddie Empowered to Support Middle-Class Homeownership](/news/news-release/fannie-and-freddie-empowered-to-support-middle-class-homeownership)\n\nWashington, D.C. – Today U.S. Federal Housing issued a final rule that establishes new, better affordable housing goals for Fannie Mae and Freddie Mac. Thanks to this fix, Fannie and Freddie will continue to fully support mortgages for families from every walk of life. “For too long, Biden distorted...\n - News Release\n\nDecember 10, 2025\n\n## [Mortgage Applications Up, Spreads Down!](/news/news-release/mortgage-applications-up-spreads-down)\n\nWashington, D.C. – President Trump is delivering for the American people: mortgage applications have risen to a three-year high as families return to the housing market, and spreads between mortgages and Treasuries continue to compress, improving mortgage rates and demonstrating the faith that the...\n - News Release\n\nDecember 9, 2025\n\n## [Federal Housing Finance Agency Announces Deemed-Issuance Ratio for 2026](/news/news-release/federal-housing-finance-agency-announces-deemed-issuance-ratio-for-2026)\n"}

chunks/json/02ee55e4f1d538bbec77e73eb33b969d744a17840a6a00259c766740692da350.json

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+{"chunk":{"char_end":36353,"char_start":34733,"chunk_id":"chk_fb2fba2683d432bc","chunk_index":21,"chunk_sha256":"02ee55e4f1d538bbec77e73eb33b969d744a17840a6a00259c766740692da350","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"02ee55e4f1d538bbec77e73eb33b969d744a17840a6a00259c766740692da350","token_estimate":404,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.pdf/2-to4-unit_Appraisal_v1.3.pdf"]},"text":"Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 18 of 29\nPage 18 of 29\n\nSales Comparison Approach (continued)\n\nSales Comparison Map\n\nThis is where the Sales Comparable Map photo would display.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 19 of 29\nPage 19 of 29\n\nSales Comparison Approach (continued)\n\nSales Comparison Approach Exhibits\n\nComparable #1\n\nComparable #2\n\nThis is where the Comparable 1 photo would display.\n\nThis is where the Comparable 2 photo would display.\n\nComparable #3\n\nThis is where the Comparable 3 photo would display.\n\nRental Information\n\nRent Schedule\n\nSubject Property Rental Information\n\nCurrently\nRented\nYes\n\nOccupancy\nTenant\n\nMonthly\nRent\n$875\n\nMonth-to-\nMonth\nYes\n\nLease Start\n\nNo\n\nOwner\n\n$0\n\nRent\nControl\nNo\n\nNo\n\nUnit 1\n\nUnit 2\n\nRental\nConcessions\nNo\n\nUtilities/\nServices\nIncluded\nNo\n\nFurnished\nNo\n\nActual Income (Monthly)\n\nOpinion of Market Income (Monthly)\n\nRent\n\nUnit 1\n\nUnit 2\n\nSubtotal\n\nOther Real Property Rental Income\n\nNone\n\nSubtotal\n\n$875\n\n$0\n\n$875\n\n$0\n\n$0\n\nTotal\n\n$875\n\nRent\n\nUnit 1\n\nUnit 2\n\n$875\n\n$925\n\nSubtotal\n\n$1,800\n\nOther Real Property Rental Income\n\nNone\n\nSubtotal\n\n$0\n\n$0\n\nTotal\n\n$1,800\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 20 of 29\nPage 20 of 29\n\nRental Information (continued)\n\nComparable Rental Properties\n"}

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+{"chunk":{"char_end":2396,"char_start":1733,"chunk_id":"chk_9a1f59aa3224756e","chunk_index":1,"chunk_sha256":"02f00e47ab5715608c11cbd605c8a47658c71d536957ad5b70ad40f657b7bb0e","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1dd742cf0fff5d45","text_sha256":"02f00e47ab5715608c11cbd605c8a47658c71d536957ad5b70ad40f657b7bb0e","token_estimate":166,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-integration-impact-memo-aug-19-2023.pdf","below_target_min_tokens"]},"text":"Release Support\n\nThe DU Version 11.1 Aug. Update will be implemented in the DU integration environment on or around July 26, 2023.\n\nAdded July 14, 2023: Test cases will be published on the integration site on or around July 28, 2023, for the following changes:\n▪ DO submissions through Preliminary Findings using a verification report.\n▪ New Duty to Serve message.\n\nIf you have questions about the integration impact or if you require support specific to this release, contact your Technology\nIntegration Analyst or Integration Support. For more information about DU, visit the DU page or contact your Fannie Mae\nrepresentative.\n\n© 2023 Fannie Mae 7.14.23 1 of 1\n"}

chunks/json/0303e5a026938be575b682d5c76d390c1d504877d6d3d9b5efc42a2a7bd01c02.json

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+{"chunk":{"char_end":14127,"char_start":12684,"chunk_id":"chk_d99fd101c6d1f240","chunk_index":7,"chunk_sha256":"0303e5a026938be575b682d5c76d390c1d504877d6d3d9b5efc42a2a7bd01c02","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_22e6cfd16b8e8aa4","text_sha256":"0303e5a026938be575b682d5c76d390c1d504877d6d3d9b5efc42a2a7bd01c02","token_estimate":463,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Market_Risk_Scenarios___FHFA_u6imiv.md"]},"text":"## Working Papers\n\n[WP 13-2: Generating Historically-Based Stress Scenarios Using Parsimonious Factorization](/research/papers/wp1302)\n\n[WP 15-3: Additional Market Risk Shocks: Prepayment Uncertainty and Option-Adjusted Spreads](/research/papers/wp1503)\n\n*Page last updated: 7/17/2023*\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"}

chunks/json/030765d8562ae75f256a7aba2f96efe175592a4d29c38042ccb44e9355b97314.json

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+{"chunk":{"char_end":222315,"char_start":220714,"chunk_id":"chk_7d9849e3fa1f469c","chunk_index":210,"chunk_sha256":"030765d8562ae75f256a7aba2f96efe175592a4d29c38042ccb44e9355b97314","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"030765d8562ae75f256a7aba2f96efe175592a4d29c38042ccb44e9355b97314","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"The Quality and Condition subsection displays when ImprovementType (UID: 0300.0009, FID: Not on report) = \"Dwelling\" AND\nHomeownerResponsibleForExteriorMaintenanceIndicator (UID: 0100.0046, FID: 3.016) = \"true\".\n\nThe following fields must display:\n\n• Exterior Quality Rating – ExteriorQualityRatingCode (UID: 1600.0005, FID: 8.022)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n• Exterior Condition Rating – ExteriorConditionRatingCode (UID: 1600.0004, FID: 8.023)\n\nWhen HomeownerResponsibleForExteriorMaintenanceIndicator (UID: 0100.0046, FID: 3.016) = \"false”, this subsection does not display.\n\nPage 159\n\nExterior Features\n\nThe exterior features table displays when the Exterior Quality and Condition subsection is included. The text, “The table below supports the\nExterior Quality and Condition ratings and reflects the market value condition of this report” displays above the table in italics.\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nDwelling Exterior: Quality and Condition - Exterior Features\n\nFeature: Exterior\nWalls and Trim\n\n0300.0055\n\nImprovementComponentType\n\nDisplay when ImprovementComponentType = \"ExteriorWallsAndTrim\" …\n\nReport\nField ID\n\n8.041\n\n8.025\n\nDetail\n\n0300.0098 WallMaterialType\n\n− Display all Wall Material(s) in the same cell separated by “|”\n\n8.026\n\nQuality Comment\n\n0300.0075\n\nImprovementComponentQualityDescription\n\n... AND Exists\n\n8.027\n\nCondition Status\n\n0300.0054\n\nImprovementComponentConditionStatusType\n\nAlways displays\n\n8.028\n\nCondition Comment\n\n0300.0100\n\nImprovementComponentConditionDescription\n\n… AND Exists\n\n8.041\n\nFeature: Foundation\n"}

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+{"chunk":{"char_end":216940,"char_start":215334,"chunk_id":"chk_ca4345d5bd0ba52c","chunk_index":127,"chunk_sha256":"0322fd34815c17be3198b8ae20b154bb544992db525ede4fd228bf80bf1b9ec3","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"0322fd34815c17be3198b8ae20b154bb544992db525ede4fd228bf80bf1b9ec3","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Disaster Mitigation Exhibits\n\nAll photos or images related to the Disaster Mitigation section are displayed in the Disaster Mitigation Exhibits\nsubsection. If there are no photos or images, this subsection does not display.\n\nDisaster Mitigation Exhibits\n\nReport\nField ID\n\nSee\niGuide\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nDisaster\nMitigation\nExhibits\n\nIf applicable\n\nPhotos or images\n\nPhotos or images relevant to the Disaster Mitigation section may be provided,\nwhich display in Disaster Mitigation Exhibits. A caption must be provided to\nfurther describe the photo or image.\n\nAppendix F-1: URAR Reference Guide\n\nPage 86 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n06 Energy Efficient and Green Features\n\n06 Energy Efficient and Green Features\n\nThe Energy Efficient and Green Features section provides information about the following, and their impacts to\nvalue and / or marketability.\n• Renewable energy components, such as solar panels\n• Building certifications, such as Leadership in Energy and Environmental Design (LEED), and National Green\n\nBuilding Standard (NGBS Green™)\n\n• Green efficiency ratings, such as HERS® and WaterSense\n\nThis section provides space for additional commentary and exhibits, such as photos of components or images of\nrating certifications.\n\nIf there are no known renewable energy components, building certifications, or efficiency ratings, the Energy\nEfficient and Green Features section does not display.\n\nRenewable Energy Components\n\nEnergy Efficient and Green Features: Renewable Energy Components\n\nReport Label\n"}

chunks/json/032accc0295704e97e91f3064cca1be5f1362520d9a10971212c49ca7abb844e.json

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+{"chunk":{"char_end":1708,"char_start":0,"chunk_id":"chk_0b5d4cc7925fe3b0","chunk_index":0,"chunk_sha256":"032accc0295704e97e91f3064cca1be5f1362520d9a10971212c49ca7abb844e","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_fc10958d48e3aec5","text_sha256":"032accc0295704e97e91f3064cca1be5f1362520d9a10971212c49ca7abb844e","token_estimate":427,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/dudo-integration-impact-memo-mar-15-2025.pdf"]},"text":"Desktop Underwriter/Desktop Originator Integration Impact Memo\nCloud Migration\n\nJan. 22, 2025\n\nIn 2024, Fannie Mae successfully transitioned Desktop Underwriter® (DU®) from an on-premises to a cloud infrastructure. Building\non this success, we are preparing to migrate Desktop Originator® (DO®) to the cloud in the production environment. This strategic\nmove will enhance our agility, scalability and overall operational efficiency.\n\nKey Information:\n\n•\n\n•\n\nThe changes in this update will apply to new loan casefiles submitted to DO during or after the weekend of\nMarch 15, 2025.\n\nExisting casefiles created before the weekend of March 15 will remain on-premises and can be resubmitted as normal.\n\n• No action is needed from DO end users. The transition will take place behind the scenes as a back-end operational\n\nrelease.\n\nHow will this affect my integrated system(s)?\n\nTo ensure a seamless transition and prevent any impacts to your direct integration and third-party originator (TPO) solutions, we\nrecommend testing your DO integrated solution(s) and TPO workflow to confirm they operate normally.\n\nIntegrated solutions that support import of a DU Spec. MISMO 3.4 file will need to complete testing prior to the production date.\n\nRelease Support\n\nOn or about Feb. 1, this update will be available to test in the DU integration environment, and test cases will be published in the\nDU section of the Technology Integration Resources webpage.\n\nIf you have questions about the integration impact or if you require support specific to this release, contact your Technology\nIntegration Analyst or Integration Support. For more information about DU, visit the website or contact your Fannie Mae\nrepresentative.\n"}

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+{"chunk":{"char_end":2164,"char_start":0,"chunk_id":"chk_86b737b571f3e6b5","chunk_index":0,"chunk_sha256":"03331ce8c0fc80b9a4260c89dbc4f0d2d052540b1697868cb39aee0767a75fdd","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"03331ce8c0fc80b9a4260c89dbc4f0d2d052540b1697868cb39aee0767a75fdd","token_estimate":541,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"34196\n\nFederal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices\n\nall subject internal accounts within 48\nhours after appointment of the FDIC as\nreceiver; provide annually, data\nregarding the number of and amount of\ndeposits held in such covered internal\naccounts; provide a final copy of the\ndocumentation that describes the\nprocesses put in place to obtain\nbeneficial ownership information\nnecessary to make an insurance\ndetermination within 48 hours of failure\nfor the internal accounts; make\nreasonable efforts, in the ordinary\ncourse of upgrading its information\ntechnology systems, to implement an\ninformation technology solution that\nwould permit a deposit insurance\ndetermination for the excepted accounts\nwithin 24 hours; and immediately bring\nto the FDIC’s attention any change of\ncircumstances or conditions.\n\nFederal Deposit Insurance Corporation.\n\nDated at Washington, DC, on May 29, 2020.\n\nRobert E. Feldman,\nExecutive Secretary.\n[FR Doc. 2020–11987 Filed 6–2–20; 8:45 am]\n\nBILLING CODE 6714–01–P\n\nFEDERAL HOUSING FINANCE\nAGENCY\n\n[No. 2020–N–11]\n\nNotice of Order: Revisions to Data\nRequirements for Enterprise Public\nUse Database To Include New Home\nMortgage Disclosure Act Data\nElements\n\nAGENCY: Federal Housing Finance\nAgency.\nACTION: Notice of order.\n\nSUMMARY: An Order issued by the\nFederal Housing Finance Agency\n(FHFA) on May 27, 2020 revises data\nrequirements for the Enterprise Public\nUse Database (PUDB) and modifies\nFHFA’s previous Enterprise PUDB\nOrders issued in 2010 and 2011. The\nEnterprise PUDB contains data related\nto single-family and multifamily\nmortgages purchased by the Federal\nNational Mortgage Association (Fannie\nMae) and the Federal Home Loan\nMortgage Corporation (Freddie Mac)\n(collectively, the Enterprises) in a\ncalendar year. FHFA publishes the\nPUDB annually pursuant to the\nrequirements of the Federal Housing\nEnterprises Financial Safety and\nSoundness Act of 1992 (Safety and\nSoundness Act). The Order revises the\nPUDB to include data elements that the\nEnterprises collected in 2018 from their\nloan sellers that are the same as those\nrequired to be reported under the Home\nMortgage Disclosure Act of 1975\n"}

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+{"chunk":{"char_end":241184,"char_start":239352,"chunk_id":"chk_646a2c22950fbd3a","chunk_index":140,"chunk_sha256":"033e3972884afe187e87606ba940f7b762cf62a7719e6541992514032e0488a5","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"033e3972884afe187e87606ba940f7b762cf62a7719e6541992514032e0488a5","token_estimate":458,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Loc\nation']/@_Amount\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Pro\npertyRights']/@_Description\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Pro\npertyRights']/@_Amount\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe allowable values are listed below. When representing these values in the\nXML file, they must be shown exactly as they appear below:\n\n10\n\nEnumerated\n\nAllowable Values PDF Display\nNeutral N\nBeneficial B\nAdverse A\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe allowable values are listed below. When representing these values in the\nXML file, they must be shown exactly as they appear below:\n\n20\n\nEnumerated\n\nAllowable Values PDF Display\nResidential Res\nIndustrial Ind\nCommercial Comm\nBusyRoad BsyRd\nWaterFront WtrFr\nGolfCourse GlfCse\nAdjacentToPark AdjPrk\nAdjacentToPowerLines AdjPwr\nLandfill Lndfl\nPublicTransportation PubTrn\nOther *\n\n*See field e-16 directly below.\n\n20\n\nString\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nIf a location factor not on the list materially affects the value of the property,\nthe appraiser must select 'Other' and enter a description of the location\nassociated with the property. Free-form descriptions should be entered\ncarefully because data will be truncated on the appraisal report form if it\nexceeds available space for that field.\n"}

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+{"chunk":{"char_end":462778,"char_start":461170,"chunk_id":"chk_9e1ca26ab2f016b4","chunk_index":262,"chunk_sha256":"033ffa184713e38bdc73aa78a4cbb1e11f8ce824bbefbff8ff55d2d7eaa5c135","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"033ffa184713e38bdc73aa78a4cbb1e11f8ce824bbefbff8ff55d2d7eaa5c135","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"20.4 and 20.6 INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE qualified by a value of “First” for\nAdjustmentRuleType, provides the data points used to represent the rate cap in place for the first adjustment\nperiod (when the rate adjusts for the first time). AdjustmentRuleType = “First” and\n\nAppendix E: UCD Implementation Guide\n\nPage 214 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n20.0 Adjustable Interest Rate (AIR) Table\n\n“PerChangeRateAdjustmentFrequencyMonthsCount” support values disclosed in both the Loan Terms and AIR\nTables, but appear in the XML file only once.\n\n20.5 and 20.7 The second instance of INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE is qualified by\nAdjustmentRuleType = “Subsequent” and represents the rate cap in place for the second and all subsequent\nadjustment periods, as well as the number of months between changes after the first adjustment.\n\n20. 1 – 20. 7 TEMPORARY BUYDOWN SUBSI DY LOAN\n\nWhen the interest rate on the loan adjusts because the rate was bought down for a pre-determined period, the\nloan has a temporary buydown subsidy, which is disclosed in the AIR table like a Step Rate loan. For example:\n30-year Fixed Rate | Temporary Buydown Subsidy 3-2-1 | (Rate increases by 1% every year for 3 years then\nremains fixed thereafter).\n\nAdjustable Interest Rate (AIR) Table\n\nNumber of Adjustments\n\nInitial Interest Rate\n\nMinimum/Maximum Interest Rate\n\n20.0\n\n20.1 3\n\n20.2 2.875%\n\n20.3 2.875% Min/5.875%\nMax\n\nChange Frequency\n\nFirst Change\n\n20.4 Beginning of 13th month\n\nSubsequent Change\n\n20.5 Every 12 months after first change\n\nLimits on Interest Rate Changes\n\nFirst Change\n"}

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chunks/json/03539ea4214598db87fba9091c9b757a11b0c03595868a1544d91824c980956f.json

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chunks/json/0367864f546e707c3e763bda93089caaec3beb974935699fa25726890e5d5628.json

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chunks/json/03a8ee2b4d59b4a341b529fff3bfb6d2d0289ebcf9ad320d4712c6be9294add7.json

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chunks/json/03b0c24668482a799041e869e80012f3c7ca501b22f8088f10c69af4dc57b69e.json

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chunks/json/03dfc0f9f66adbb5f267686c88ad146cbbd99da91c26e0d4ad5f996b155b9a6b.json

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chunks/json/03e7c9530b62d9a3750c0cda7c984c334338d1a0ceed92bdc010ea4094990714.json

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+{"chunk":{"char_end":51179,"char_start":49566,"chunk_id":"chk_67938975873947c5","chunk_index":45,"chunk_sha256":"03e7c9530b62d9a3750c0cda7c984c334338d1a0ceed92bdc010ea4094990714","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"03e7c9530b62d9a3750c0cda7c984c334338d1a0ceed92bdc010ea4094990714","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"2400.0469\n\nStateCode\n\n2400.0468\n\nPostalCode\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nAlways displays\n\nDisplay when provided\n\nAlways displays\n\nDisplay when provided\n\nDisplay when provided\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\n08.017\n\nExterior\n\n08.018\n\nInterior\n\n2400.0293\n\nPropertyExteriorInspectionMethodType\n\n2400.0294\n\nPropertyInteriorInspectionMethodType\n\nAlways displays\n\nAlways displays\n\n08.019\n\nInspection Date\n\n2400.0292\n\nInspectionDate\n\nDisplay when provided.\nWhen not provided, do not display report label.\n\nPage 44\n\nAssignment Information: Contact Information – Appraiser\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nCredentials\n\n08.020\n\nLevel\n\n2200.0131\n\nAppraiserLicenseType\n\n08.021\n\nID\n\n2200.0134\n\nLicenseIdentifier\n\n08.022\n\nState\n\n2200.0135\n\nLicenseIssuingAuthorityStateCode\n\n08.023\n\nExpires\n\n2200.0133\n\nLicenseExpirationDate\n\n08.024\n\nASC Identifier\n\n2400.0470\n\nAppraisalSubCommitteeAppraiserIdentifier\n\n08.025\n08.026\n\nVA Appraiser ID\nFHA Appraiser ID\n\n2400.0474\n2400.0473\n\nAgencyAppraiserIdentifierType\nAgencyAppraiserIdentifier\n\n08.027\n\nEmployment Type 2400.0472\n\nAppaiserEmploymentType\n\nDisplay Rules\n\nAlways displays\n\nAlways displays\n\nRequired when AppraiserLicenseType <> “None”\nWhen not provided, do not display report label.\n\nRequired when AppraiserLicenseType <> “None”\nWhen not provided, do not display report label.\n\nRequired when AppraiserLicenseType <> “None”\nWhen not provided, do not display report label\n\nDisplay when provided.\nWhen not provided, do not display report label.\n"}

chunks/json/03e7d336b28b70cbdd717a7ce72562476fe59603a56fb16392f2bc9bddc321d0.json

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+{"chunk":{"char_end":60343,"char_start":58688,"chunk_id":"chk_cc2c7367ccb343df","chunk_index":28,"chunk_sha256":"03e7d336b28b70cbdd717a7ce72562476fe59603a56fb16392f2bc9bddc321d0","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"03e7d336b28b70cbdd717a7ce72562476fe59603a56fb16392f2bc9bddc321d0","token_estimate":414,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Holds data points related to the purchase price of the subject\nproperty.\n\nN O T E : UCD v2.0 no longer includes a second instance of COLLATERAL with the PLEDGED_ASSET structure for accepting\nnon-real property collateral information.\n\n1. ADDRESS\n\nDepending on whether a street address is available, the subject property location will be provided as:\n\na. Complete Street Address (with unit information if applicable) OR\n\nb. Legal Description + Postal Code\n\nThe address populates two locations on the CD. 17.6 Security Interest requires the lender to re-state the information\n\nregarding the subject property being held for 1.6 Property.\n\nUCD v2.0 Implementation Guide\n\n- 18 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\n1.0 Closing Information\n\n117.6 Security Interest .0 Loan Disclosures\n\nFigure 8. Rendering Subject Property Address Data on the CD.\n\n1.6 Property 456 Somewhere Avenue, Unit #284\n Anytown, ST 12345\nOR\n Lot 32, Block 123, Section 4\n 12345-6789\n\na. Complete Street Address\n\nYou are granting a security interest in\n 456 Somewhere Ave, Unit #284\n Anytown, ST 12345\nOR\n Lot 32, Block 123, Section 4\n 12345-6789\n\nIf a street address is available for a property, it must be included in the XML file. A full street address is made up of the\nstreet name and number (with unit number if applicable), city name, 2-letter state abbreviation, and the 5-digit ZIP Code or\n9-digit ZIP +4 Code.\n\nThe ADDRESS data points are delivered once in the XML file and populate two different CD locations as illustrated in Figure\n\n7. The values provided in the “Delivered Value” column in Table 8 are used for the XML file snippet below.\n"}

chunks/json/03e808c84ed6ccec6fdc9de99a125eab2b496418e48ec9439862c59bfb77b570.json

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+{"chunk":{"char_end":171142,"char_start":169536,"chunk_id":"chk_6a0a6b1a031148c8","chunk_index":81,"chunk_sha256":"03e808c84ed6ccec6fdc9de99a125eab2b496418e48ec9439862c59bfb77b570","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"03e808c84ed6ccec6fdc9de99a125eab2b496418e48ec9439862c59bfb77b570","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"MISMO v3.3.0\nData Point\n\nMISMO v3.3.0\nValue\n\nNotes\n\n4.3.3 (3) |\n19.1.1\n\nIncludes only\ninterest and no\nprincipal until year\nn\n\n…/INTEREST_ONLY\n\nInterestOnlyTerm\nMonthsCount\n\n60\n\nRepresented as\n“Year 6” in Loan\nTerms table\n\nAppendix E: UCD Implementation Guide\n\nPage 74 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n4.0 Loan Terms\n\nID (bullet) Form Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0\nData Point\n\nMISMO v3.3.0\nValue\n\nNotes\n\nTable 64. Loan Has Interest Only Feature\n\n4.3.3 (3) |\n19.1\n\nIncludes only\ninterest and no\nprincipal…\n\n…/LOAN/LOAN_DE\nTAIL\n\nInterestOnlyIndicat\nor\n\ntrue\n\nRepresented as\n“Includes only\ninterest and no\nprincipal” in Loan\nTerms table\n\nc. LOANS FOR WHICH P&I PAYMENT CHANGES I NDEPENDENTLY OF RATE\n\nIf the principal and interest payment can increase after closing and the change is independent of a change to the\ninterest rate, for example, for a GPM, GEM, or Step Payment loan, a bullet referencing the AP Table must be\nincluded. The value of AmortizationType indicates that this additional bullet is needed on the form. The same\ndata points used in Table 4.3.3 P&I Payment Increase Terms would be provided to show the increase to the\npayment.\n\n4.0 Loan Terms\n\nCan this amount increase after closing?\n\n4.2 Interest Rate\n\n4.2.1 3.875%\n\n4.2.2 NO\n\n4.2.3\n\n4.3 Monthly Principal & Interest\n\n4.3.1 $761.78\n\n4.3.2 YES\n\nSee Projected Payments below for your\nEstimated Total Monthly Payment\n\n4.3.3 • Adjusts every year starting in year 2\n• Goes as high as $1,800 in year 4\n• See AP Table on page 4 for details\n\nFigure 47. P&I Payment Adjusts Independently of Interest Rate\n\nID\n(bullet)\n"}