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chunks/txt/91928405899975fc7a67bde93b13a20e9d33697b485a36697790161d297c7e40.txt

@@ -0,0 +1,53 @@
+String
+
+This field should indicate the HOA Assessment for the comparable property.
+
+UAD Requirement - See Appendix D Sales Comparison Approach Section
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+The sum of this field 3-70 and fields (3-60,
+3-62, 3-64, 3-66, 3-68, 3-72, 3-74, 3-76, 3-
+78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,
+3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-
+107, 3-109, 3-111) must add up to Net
+Adjustment field 3-116.
+
+String
+
+This field should indicate the common elements of the comparable project.
+
+UAD Requirement - See Appendix D Sales Comparison Approach Section
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+The sum of this field 3-72 and fields (3-60,
+3-62, 3-64, 3-66, 3-68, 3-70, 3-74, 3-76, 3-
+78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,
+3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-
+107, 3-109, 3-111) must add up to Net
+Adjustment field 3-116.
+
+String
+
+This field should indicate the recreational facilities of the comparable project.
+
+UAD Requirement - See Appendix D Sales Comparison Approach Section
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+The sum of this field 3-74 and fields (3-60,
+3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-76, 3-
+78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,
+3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-
+107, 3-109, 3-111) must add up to Net
+Adjustment field 3-116.

chunks/txt/91a5f5d62fbfec2db8b873ec034945c66ec6ee182de679d4f093a8aec18fb3c2.txt

@@ -0,0 +1,137 @@
+7. 7 SERVI CES BORROWER DI D SHOP FOR
+
+Figure 79 illustrates sample creditor-required services that the borrower shopped for. Examples include pest
+inspections, surveys, title closing agent and title closing protection letter fee. The data points used to provide
+this information are shown in the table below and are repeated as needed for each line item.
+
+Loan Costs
+
+7.1 A. Origination Charges
+
+7.4 B. Services Borrower Did Not Shop For
+
+7.6 C. Services Borrower Did Shop For
+
+Borrower-Paid
+
+Seller-Paid
+
+At Closing
+
+Before Closing
+
+At Closing
+
+Before Closing
+
+Paid by
+Others
+
+7.1.1 $1,802.00
+
+7.4.1 $236.55
+
+7.6.1 $620.50
+
+01 7.7Pest Inspection Fee
+
+7.7.1
+
+to Pests Co.
+
+7.7.2
+
+$120.50 7.7.3
+
+7.7.4
+
+7.7.5
+
+7.7.6
+
+02
+
+Title–Lender’s Coverage Premium to Epsilon
+Title Co. (optional)
+
+$500.00
+
+Appendix E: UCD Implementation Guide
+
+Page 121 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+7.0 Loan Costs Table
+
+Figure 79. Loan Costs Table – Services Borrower Did Shop For Line Items
+
+The data points used to provide this information are shown in the table below and are repeated as needed to
+provide each line item.
+
+Table 97. Services Borrower Did Shop For Line Items
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Notes
+
+N/A - GSE
+
+…/FEE/FEE_DETAIL
+
+FeePaidToType
+
+Other
+
+FIRST INSTANCE OF FEE
+
+UID
+7.074
+
+UID
+7.110
+
+7.7
+
+N/A - GSE
+
+Pest Inspection Fee
+
+7.7
+
+N/A – XML
+
+UID
+7.071
+
+7.7.1
+
+N/A - GSE
+
+Pest Inspection Fee
+to Pests Co.
+
+…/FEE/FEE_PAID_T
+O/LEGAL_ENTITY/L
+EGAL_ENTITY_DETA
+IL
+
+FeePaidToTypeOth
+erDescription
+
+LenderAffiliate
+
+FeeType

chunks/txt/91a9f088384da69d08d2e25d809fdfdbd20bf7309642b64cc3f8d679f95bcaf2.txt

@@ -0,0 +1,84 @@
+SequenceNumber values as a proxy for each
+unique instance of PARTY will need to update
+their mapping to PartyRoleType for each
+INDIVIDUAL and LEGAL_ENTITY.
+
+Removed SMART
+Doc® functionality
+
+▪ Unused UCD data points required only
+for MISMO® SMART Doc functionality
+have been removed.
+
+▪ Remove the data points and attributes
+
+supporting MISMO SMART Docs from the
+UCD XML file.
+
+▪ If provided, data supporting SMART Docs will
+
+be ignored and will not be processed.
+
+Additional
+Information
+
+▪ UCD v2.0 Tab 4b-
+Revision Log v1.5-
+v2.0 shows all
+deleted
+CONTAINERS,
+data points and
+attributes.
+
+▪ UCD v2.0 CEM,
+Phase 4 tab.
+
+▪ UCD v2.0 Tab 4b-
+Revision Log v1.5-
+v2.0 shows all
+deleted
+CONTAINERS,
+data points and
+attributes.
+
+© 2025 Fannie Mae and Freddie Mac. Trademarks are the property of their respective owners.
+
+December 2025
+
+7
+
+This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by
+Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.
+
+Change
+
+Description
+
+Potential Impact
+
+▪ Review the merged requirements to determine if
+
+system and business rules are impacted.
+
+Align UCD v2.0
+Format with other
+UMDP Datasets
+
+▪ The columns under Purchase and Non-
+Seller Transactions from UCD v1.5
+specifying Cardinality, Conditionality,
+Conditionality Details and
+Implementation Notes have been
+merged.
+
+• Where the notation was identical, the values
+in the merged columns did not change.
+
+• Where the notation differed, the merged
+column requirements will appear to be
+different; however, they have not changed.
+
+Include UCD Phase
+3B Postponed and
+Phase 4 Critical
+Edits

chunks/txt/91b28e043d261c4ba6e81186bc0c5118e3b4da8e88f1a74ad41808d37b0227e2.txt

@@ -0,0 +1,89 @@
+14.002
+
+Inground Pool
+ Inground Spa
+ Outdoor Shower
+ Sauna
+
+0200.0032
+
+AmenityType
+
+When AmenityCategoryType = “WaterFeatures”, display the amenity type
+(AmenityType = “IngroundPool” OR “IngroundSpa” OR “OutdoorShower” OR “Sauna”)
+
+14.001
+
+Whole Home
+
+0200.0034
+
+AmenityCategoryType
+
+14.002
+
+EV Station
+ Elevator
+ Fire Suppression System
+ Indoor Fireplace
+ Multiple-Zone HVAC
+ Smart Home System
+ Whole House Ventilation
+ Wood Stove
+
+0200.0039
+
+AmenityType
+
+Display “Whole Home” when PropertyAmenityExistsIndicator = “true” AND
+(AmenityType = "ElectricVehicleChargingStation" OR "Elevator" OR
+"FireSuppressionSystem" OR "IndoorFireplace" OR
+"MultipleZoneHeatingVentilationAndAirConditioning" OR "SmartHomeSystem" OR
+"WholeHouseVentilation" OR "WoodStove")
+
+When AmenityCategoryType = “WholeHome”, display the amenity type
+(AmenityType = “ElectricVehicleChargingStation” OR “Elevator” OR
+“FireSuppressionSystem” OR “IndoorFireplace” OR
+“MultipleZoneHeatingVentilationAndAirConditioning” OR “SmartHomeSystem” OR
+“WholeHouseVentilation” OR “WoodStove”)
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Report
+Field ID
+
+Amenity Category/Amenity Type
+
+Unique ID
+
+Subject Property Amenities: General Information
+
+MISMO Data Point
+Name
+
+Display Rules
+
+14.001
+
+Miscellaneous
+
+0200.0041
+
+AmenityCategoryType
+
+Display “Miscellaneous” when PropertyAmenityExistsIndicator = “true” AND
+(AmenityType = "ClubMembership" OR "SharedLaundryFacilities" OR "UnitStorage" OR
+"Other")
+
+14.002
+
+Airstrip
+ Club Membership
+ Shared Laundry Facilities
+
+0200.0046
+
+AmenityType
+
+When AmenityCategoryType = “Miscellaneous”, display the amenity type
+(AmenityType = “AirStrip” OR “ClubMembership” OR “SharedLaundryFacilities”)

chunks/txt/91c014ac9bb6ef4ae3c45055a7f5ddb6640f23017ee43bd8089456d2de783eb3.txt

@@ -0,0 +1,48 @@
+See SB4-1.2-04, Age of Appraisal and Restricted Appraisal Update Report Requirements for additional information.
+
+Requalification Requirements
+
+Requalification of the borrower(s) is required at the time of conversion to permanent financing if
+
+the LTV ratio increased due to a decline in property value,
+
+•
+• updated credit documents were obtained, or
+•
+
+as otherwise required per the modified loan term in the table above.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 171 of 166
+
+UAD 3.6 Policy
+
+To be eligible for purchase by Fannie Mae, the loan must retain an Approve/Eligible recommendation after resubmission to DU
+(or, be eligible per the Eligibility Matrix if manually underwritten).
+
+When requalification is required
+
+•
+•
+
+•
+
+the LTV ratio must be adjusted based on the new appraisal;
+if credit documents exceed the four (or 18) month age of documentation requirement, the updated income, credit, and
+liability information must be considered; and
+the loan data at delivery must match the data considered in the final requalification of the loan.
+
+Loan Conversion Documentation Options
+
+The construction loan may be converted into a permanent loan in either of the following ways:
+
+• Option 1: A construction loan rider must be used to modify Fannie Mae’s uniform instrument that will be used for the
+
+permanent loan. The rider must state the construction loan terms, and the construction-related provisions of the rider
+must become null and void at the end of the construction period and before the permanent loan is sold to Fannie Mae.
+Because the permanent loan cannot be sold before it is scheduled to begin amortizing, the lender will need to amend the
+construction loan rider, and the accompanying uniform instrument, if the construction is completed sooner or later than
+originally anticipated. The amendment(s) should provide the new dates on which amortization for the permanent loan
+will begin and end. The lender also will need to record the amended documents before the permanent loan is sold.
+• Option 2: A separate modification agreement must be used to convert the construction loan into permanent financing.

chunks/txt/91c2b950561b489b7757acb3daa6472c9f32ba0a4d29be3a365b73535be56119.txt

@@ -0,0 +1,37 @@
+The HUD Data Plate is a paper document located on the interior of the subject property that contains,
+among other things, the manufacturer’s name and trade/model number. In addition to the data required
+by Fannie Mae, the Data Plate includes pertinent information about the unit, including a list of factory-
+installed equipment. The HUD Certification Label(s), sometimes referred to as a HUD “seal” or “tag,” is a
+metal plate located on the exterior of each section of the home. The Uniform Residential Appraisal Report
+must have photos of either the HUD Data Plate or the HUD Certification Label(s).
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 12 of 166
+
+UAD 3.6 Policy
+
+As an alternative to the original HUD Certification Label(s) or the HUD Data Plate, the lender must obtain
+either a label verification letter with the same information contained on the HUD Certification Label(s) or
+duplicate HUD Data Plate from the Institute for Building Technology and Safety (IBTS). A duplicate HUD
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 13 of 166
+
+UAD 3.6 Policy
+
+✓
+
+Requirements
+
+Data Plate may also be available by contacting the In-Plant Primary Inspection Agency (IPIA) or the
+manufacturer. (A list of IPIA offices is posted on HUD’s website.)
+
+The unit must not have been previously installed or occupied at any other site or location, except from the
+manufacturer or the dealer’s lot as a new unit.
+
+The manufactured home must be a one- to four-unit dwelling that is legally classified as real property and
+can include only one accessory dwelling unit. See SB2-3-04, Special Property Eligibility Considerations for
+additional information. See SB2-3-02, Special Property Eligibility and Underwriting Considerations: Factory-
+Built Housing for ADU requirements for MH Advantage.

chunks/txt/91cd3bd7008362a589d54b24b9f915926da992ac4f7a3ce3595f91abe9bbc6c3.txt

@@ -0,0 +1,108 @@
+5
+
+How Can This Initiative Help the Industry?
+
+S
+T
+
+I
+
+F
+E
+N
+E
+B
+
+L
+L
+A
+R
+E
+V
+O
+
+Expand scope of UAD to
+cover all property types.
+
+Get better appraisal
+quality and compliance.
+
+Create potential opportunities
+to reduce required capital
+reserves for lenders.
+
+Reduce subjectivity to
+enhance impartiality
+through discrete data
+versus free-form text.
+
+Identify Uniform Standards
+of Professional Appraisal
+Practice (USPAP) compliance
+points more easily.
+
+Replace multiple appraisal forms
+with a single dynamic report.
+
+M A R C H 2 0 2 3
+
+6
+
+How Can This Initiative Help the Industry?
+
+1
+
+One Dynamic Report
+
+ü Increase flexibility with a dynamic scope
+
+of work to cope with unforeseen
+challenges (e.g., COVID).
+
+ü Minimize lender review times with
+
+streamlined GSE scoring on all property
+types.
+
+ü Simplify documentation of atypical
+
+properties (e.g., 2-4 unit condos, site
+condos, etc.).
+
+ü Allow lenders and investors to
+
+easily address and adapt to industry-
+wide issues.
+
+2
+
+Data Standardization
+
+ü Introduce flexibility to facilitate future
+appraisal modernization projects.
+
+ü Increase lender productivity through
+machine-readable data that better
+identifies key risk indicators.
+
+ü Reduce repurchase risk with objective
+enumerations of property condition.
+
+3
+
+Improved Review Process
+
+ü Identify more risk indicators with
+more discrete data and less
+freeform text to more efficiently
+route internal reviews.
+
+ü Better clarify adverse items and
+
+their severity to preserve
+representation and warranty relief.
+
+ü Decrease staffing costs through a
+reduction in correction requests.
+
+ü Manage risk with clearer

chunks/txt/91e11b80143fa1bb8661f35a6613e8ed3642a0f76d2e5a53c6f46a7efca57e58.txt

@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/programs/duty-to-serve"
+date_accessed: "2026-01-27T17:47:58.679Z"
+---
+
+> *[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)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![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
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)

chunks/txt/91e797478601cb6156675e9a47099def11f6de5ac2b68ac1993bde728d8c3a43.txt

@@ -0,0 +1,39 @@
+[Mortgage Translations](/mortgage-translations)
+
+- [About Mortgage Translations](/mortgage-translations)
+ - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)
+ - [COVID-19 Resources](/mortgage-translations/covid-19-resources)
+ - [Interpretive Services](/mortgage-translations/interpretive-services)
+ - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)
+ - [Search Documents](/mortgage-translations/search)
+ - News Public Affairs
+
+- [News Releases](/news/news-release)
+ - [Statements](/news/statement)
+ - [Speeches](/news/speech)
+ - [Testimonies](/news/testimony)
+ - [Public Input](/public-input)
+ - [Blogs](/blog)
+ - [Fact Sheets](/news/fact-sheet)
+ - [FAQs](/faqs)
+ - [Partner Agency Engagements](/news/partner-agency-engagements)
+ - [Public Engagements](/news/public-engagements)
+ - [Videos](/media)
+
+Social Media
+
+- [Facebook](https://www.facebook.com/FHFA)
+ - [LinkedIn](https://www.linkedin.com/company/354523)
+ - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [X (formerly Twitter)](https://twitter.com/FHFA)
+ .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu
+
+# FHFA Conforming Loan Limit Values
+
+## Breadcrumb
+
+- [Home](/)
+ - [FHFA Data](/data)
+ - FHFA Conforming Loan Limit Values
+
+Fannie Mae and Freddie Mac are restricted by law to purchasing single-family mortgages with origination balances below a specific amount, known as the “conforming loan limit” (CLL) value. Loans above this amount are known as jumbo loans.

chunks/txt/91eaa4d058063764eacd72fdb1a9ce0e21ae7d66187022de452e740a8c0c5fee.txt

@@ -0,0 +1,43 @@
+**C​​onta​ct**
+
+If you have any questions or comments about the data or documents, please email [UADdata@fhfa.gov](mailto:UADdata@fhfa.gov).
+
+*Page last updated: February 4, 2025​​​​​​*
+
+- **Presentations**
+
+[Introduction to the UAD PUF](/document/intro_uad_puf_hsug_20240112.pdf) (1/12/2024)​​​
+
+**Other Data**
+
+[UAD Aggregate Statistics](/data/uad) (10/28/2024)​​​
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)

chunks/txt/91f0d17410a8f341d9800576bb0ff960c72c1af9a77215de0eec0fff122d3c5c.txt

@@ -0,0 +1,66 @@
+•
+•
+•
+•
+
+As Is
+Subject to Completion Per Plans
+Subject to Inspection
+Subject to Repair
+
+Notes:
+•
+•
+
+•
+
+•
+
+If Market Value Condition is As Is, no other conditions can be applied.
+If Recommended Action is Completion, Inspection, or Repair in the Defect,
+Damages, Deficiencies subsection, the report must be made subject to
+the resolution of the item (Market Value Condition cannot be As Is).
+If Market Value Condition is Subject to Repair, there must be at least one
+item in the Defect, Damages, Deficiencies subsection with Recommended
+Action of Repair.
+If Market Value Condition is Subject to Inspection, there must be at least
+one item in the Defect, Damages, Deficiencies subsection with
+Recommended Action of Inspection.
+
+26.013
+
+Final Value
+Condition
+Statement
+
+Displays if Market
+Value Condition is not
+As Is
+
+N/A
+
+Variations of this sentence display based on the value condition(s) provided in
+Market Value Condition.
+
+Allowable Answer
+
+As Is
+
+Market Value Condition (Choose all that apply)
+
+Definition / Additional Guidance
+
+Opinion of Market Value is based on the property in its current state as of the appraisal report effective date. The
+appraiser has not employed any hypothetical conditions or extraordinary assumptions.
+
+Note: If this answer is selected, Final Value Condition Statement (26.013) does not display, and no other conditions can be
+applied.
+
+Subject to Completion Per
+Plans
+
+Opinion of Market Value is based on the hypothetical condition that the improvements have been completed per plans
+and specifications as of the appraisal report effective date.
+
+Note: If this answer is selected, the standard Subject to Completion Per Plans language displays as part of the Final Value
+Condition Statement (26.013).

chunks/txt/9206cc20cce21105fbded2bd4e76420d0159d85a6826a236bf62ac287b5435f7.txt

@@ -0,0 +1,93 @@
+Includes Closing Costs. See Calculating Cash to Close on page 3
+for details.
+6.2.2 From To Borrower
+
+Figure 74. Cash to Close for a Non-Seller Transaction – Cash to Borrower
+
+The data points providing 6.2.1 Cash to Close amount and 6.2.2 To Borrower are shown in the table below.
+Note that if cash were due from the borrower at closing, the data point CashFromBorrowerAtClosingAmount
+would be used.
+
+Table 92. Cash to Close for a Non-Seller Transaction – Cash to Borrower
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Notes
+
+6.2.1 |
+6.2.2
+
+Cash to Close ($)
+
+…/CLOSING_INFOR
+MATION_DETAIL
+
+CashToBorrowerAt
+ClosingAmount
+
+14147.26
+
+ROF as $14,147.26
+and To Borrower
+
+□From To
+Borrower
+
+Appendix E: UCD Implementation Guide
+
+Page 107 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+7.0 - 9.0 Closing Cost Details Tables Overview - UPDATED
+
+7.0 - 9.0 CLOSING COST DETAILS TABLES OVERVIEW - UPDATED
+
+“Closing costs” are the costs to both the borrower and seller (if applicable) related to the consummation of the
+credit transaction and the closing of the real estate transaction. Table 93 identifies the Closing Disclosure
+variations that include Closing Cost Details sections.
+
+Table 93. Required Sections for each Closing Disclosure Variation -- UPDATED
+
+Form
+Field ID
+
+Form Section
+Name
+
+Purchase Transactions Only
+
+Model Form
+
+Split-Borrower Only
+
+7.0
+
+8.0
+
+9.0
+
+Loan Costs Table
+(A – D)
+
+Seller-Paid Columns Only for fees & real
+estate commissions for both agents
+
+Other Costs Table
+(E – I)
+
+Seller-Paid Columns Only for fees & real
+estate commissions for both agents

chunks/txt/920b31e0ea645e544a954e6499736ac9b7664b3a455fc9a337ac7642bbe467d1.txt

@@ -0,0 +1,32 @@
+▪ PERS Required for new projects in Florida: The message will specify that the project is required to be submitted
+for consideration under the Project Eligibility Review Service (PERS) process and must have a valid Approved by
+Fannie Mae status in CPM as of the note date.
+
+▪ Unavailable: The message will list the specific reason(s) the project has an Unavailable status in CPM. This project
+
+status will cause DU to issue an Ineligible recommendation.
+
+DU will return the following lender-specific status messages when there is no Fannie Mae decision in CPM:
+
+▪ Not Certified by Lender: The message will indicate that a Full Review with a valid Certified by Lender status is
+
+required.
+
+▪ Certified by Lender: The message will indicate that the lender currently has an active Certified by Lender status.
+
+▪ Guide Ineligible: The message will indicate that the lender currently has a Guide Ineligible status for this project in
+
+CPM, and a Full Review with a valid Certified by Lender status is required.
+
+▪ Guide Ineligible and Certified by Lender: The message will indicate that the lender currently has Certified by
+
+Lender and Guide Ineligible statuses for different phases in this project, and a Full Review with a valid Certified by
+Lender status for the project or subject phase is required.
+
+CPM Delivery Restrictions
+
+CPM delivery restrictions will be specified in the DU Underwriting Findings report. Loan casefiles that do not meet the delivery
+restrictions in place on the project, specifically exclusions on occupancy types, loan purpose, or LTV/CLTV requirements, will
+receive an Ineligible recommendation. The message will specify the delivery restriction that is causing the Ineligible
+recommendation. For example, if loans in a project are limited to certain occupancy types or LTV ratios (e.g., principal residences
+only or maximum LTV ratios of 90%), the message will specify those limitations.

chunks/txt/9211d7fa4f84e8ca0502b482840fd32bd8e8a9378d87490aaf68968058dcadec.txt

@@ -0,0 +1,122 @@
+Allowable
+Answers / Format
+
+Origin of Subject
+Property Information
+
+Adjustable
+Row
+
+Definition / Additional Guidance
+
+Income Approach: Gross Rent Multiplier Comparables
+
+Report
+Field ID
+
+24.011
+
+Proximity to
+Subject
+
+Always
+
+Required if Proximity
+to Subject is not 0
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Direction from Subject
+to Comparable is only
+applicable to
+comparables
+
+No
+
+No
+
+No
+
+No
+
+Direction from Subject to Comparable
+•
+E
+•
+N
+•
+NE
+•
+NW
+•
+S
+•
+SE
+•
+SW
+• W
+
+Number of separate living units on the property, not counting any ADUs.
+ADUs are entered in a separate field but are considered in the overall
+unit count.
+Examples:
+•
+
+A single-family property (with or without an ADU) is reported as 1
+unit in this field.
+A three-unit property (with or without an ADU) is reported as 3
+units in this field.
+
+•
+
+Number of ADUs on Property
+Notes:
+•
+•
+
+Enter zero (0) if there are no ADUs on the property.
+ADUs may be in the dwelling, attached to the dwelling, or
+associated with a separate building (outbuilding).
+
+Total Gross Building Finished Area for Property
+Gross Building Finished Area (GBFA) for all dwellings regardless of grade
+level and whether the finished area is standard or nonstandard; includes
+common finished areas, ADUs (in dwellings), and below grade finished
+areas.
+
+Note: Does not include unfinished area.
+
+No
+
+Property Subject to Rent Control: Indicates whether the property is
+subject to rent control.
+
+24.001
+24.012
+
+Units
+Excluding
+ADUs
+
+Always
+
+Always required
+
+Number
+
+Subject Property
+•
+
+Units Excluding
+ADUs 3.005
+
+24.002
+24.013
+
+Accessory
+Dwelling Units

chunks/txt/921f16e390fefcb4fd001b4786935226197a1c753ba956d9921d340177a7b615.txt

@@ -0,0 +1,127 @@
+APPRAISER
+CERTIFICATION
+
+Appraiser
+Expiration Date of Certifiction or
+License
+
+Appraiser License
+Expiration Date
+
+The expiration date of the appraiser's
+license.
+
+/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICENSE/
+@_ExpirationDate
+
+506
+
+6
+
+19
+
+APPRAISER
+CERTIFICATION
+
+ADDRESS OF PROPERTY
+APPRAISED
+
+Property Street
+Address
+
+The unstructured (Unparsed) street
+address of the subject property (e.g., 123
+Main Street).
+
+/VALUATION_RESPONSE/PROPERTY/@_StreetAddress
+
+70
+
+2
+
+10
+
+50
+
+55
+
+10
+
+10
+
+50
+
+50
+
+25
+
+2
+
+12
+
+45
+
+507
+
+6
+
+20a
+
+APPRAISER
+CERTIFICATION
+
+Unit #
+
+Unit Identifier
+
+The identification of the unit.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@UnitIdentifier
+
+12
+
+String
+
+String
+
+String
+
+String
+
+String
+
+String
+
+Should conform to USPS (Pub 28). The following address element should be included
+in this field:
+• City
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+Should conform to USPS (Pub 28). The following address element should be included
+in this field:
+• USPS two-letter state or territory representation
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+Should conform to USPS (Pub 28). The following address element should be included
+in this field:
+• 5-digit ZIP Code or ZIP+4 code
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+This field should contain the entire telephone number, including area code.
+
+Free text – should contain the appraiser's email address.
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+UAD Requirement - Refer to Appendix D Appraiser Certification Section
+Note: This data is referenced more than once on the form (field 3-133) and must be
+represented consistently.

chunks/txt/92242f6e2d1bddeeff2322b27e13fd3073c53409807f5cd63c4820d301dc9745.txt

@@ -0,0 +1,92 @@
+50
+
+String
+
+This field occurs on every page of the form and must be consistent. The placement
+of the header on the form varies from vendor to vendor. The print reference
+placement on Appendix C is not required and is for illustrative purposes only.
+
+This field may not exist in all forms vendor
+software.
+
+/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier
+
+50
+
+String
+
+This field occurs on every page of the form and must be consistent. The placement
+of the header on the form varies from vendor to vendor. The print reference
+placement on Appendix C is not required and is for illustrative purposes only.
+
+This field may not exist in all forms vendor
+software.
+
+5
+
+6
+
+7
+
+8
+
+9
+
+10
+
+SALES
+COMPARISON
+APPROACH
+SALES
+COMPARISON
+APPROACH
+SALES
+COMPARISON
+APPROACH
+SALES
+COMPARISON
+APPROACH
+SALES
+COMPARISON
+APPROACH
+SALES
+COMPARISON
+APPROACH
+
+Number of Comparable Listings
+
+Comparable Listings
+Researched Count
+
+Specifies the total number of comparable
+property listings researched.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/RESEARCH/@ComparableListingsResearchedCount
+
+Comparable Listings Price
+Range
+Low
+Comparable Listings Price
+Range
+High
+
+Comparable Listings
+Price Range Low
+Amount
+Comparable Listings
+Price Range High
+Amount
+
+Specifies the low listing value in the
+range of values within the group of
+comparable listing properties researched.
+Specifies the high listing value in the
+range of values within the group of
+comparable listing properties researched.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/RESEARCH/@ComparableListingsPriceRangeLowAmount
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/RESEARCH/@ComparableListingsPriceRangeHighAmount

chunks/txt/922bb4d0bc29540eb89afef61ee2df82cd01caf44b1e94ae6408eb0fa4f51010.txt

@@ -0,0 +1,165 @@
+Vehicle Storage
+
+Type | Spaces | Detail
+
+Summary
+
+List Price
+
+Contract Price
+
+Sale Price
+
+Net Adjustment Total
+
+Price Per Finished Area
+Above Grade
+
+Adjusted Price
+
+Comparable Weight
+
+Driveway | 4 | Asphalt
+Garage | 3 | Attached 626 Sq. Ft.
+
+Driveway | 4 | Asphalt
+Garage | 3 | Attached
+
+Driveway | 4 | Asphalt
+Garage | 2 | Attached
+
+Driveway | 4 | Asphalt
+Garage | 3 | Attached
+
+$10,000
+
+$895,000
+
+$895,000
+
+$905,000
+
+—
+
+$905,000
+
+$(5,500)
+
+$566
+
+$899,500
+
+Less
+
+$827,000
+
+—
+
+$835,000
+
+$83,650
+
+$619
+
+$918,650
+
+Less
+
+$899,000
+
+—
+
+$905,000
+
+$(12,250)
+
+$548
+
+$892,750
+
+Most
+
+Indicated Value by Sales Comparison Approach
+
+Indicated Value
+
+$900,000
+
+Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)
+
+Uniform Residential Appraisal Report
+
+Page 16 of 24
+Page 16 of 24
+
+Sales Comparison Approach (continued)
+
+General Information
+
+Property Address
+
+Subject Property
+
+Comparable #4
+
+8675309 Jenny Ln
+Anytown, IL 54321
+
+23412 Josephine St
+Anytown, IL 54321
+
+This is where the Dwelling
+Front photo would display.
+
+This is where the
+Comparable 4 photo
+would display.
+
+Data Source
+
+Proximity to Subject
+
+List Price
+
+Listing Status
+
+Contract Price
+
+Sale Price
+
+Transfer Terms
+
+Financing Type
+
+Sales Concessions
+
+Contract Date
+
+Sale Date
+
+Days on Market
+
+Attached/Detached
+
+Property Rights Appraised
+
+Same Builder as Subject
+
+Project Information
+
+Project Name | Same
+Project as Subject
+
+Monthly Fee
+
+Common Amenities/Services
+
+Site
+
+Site Owned in Common
+
+Site Size
+
+Neighborhood Name
+
+Site Influence (Location)

chunks/txt/923a5129f97173333de76b9f0e4156a895356af04764cf2cf49e216f6cfba913.txt

@@ -0,0 +1,87 @@
+Uniform Appraisal Dataset (UAD) Specification
+
+Issued by Fannie Mae and Freddie Mac
+Appendix B-2: Restricted Appraisal Update Report Implementation Guide
+Document Version 1.3
+June 10, 2025
+
+Revision History
+
+This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency.
+©2025 Freddie Mac and Fannie Mae. Trademarks of the respective owners.
+
+Page 2
+
+Date
+
+Version
+Number
+
+Change #
+
+iGuide Chapter
+
+Revision Description
+
+06/10/2025
+
+1.3
+
+2025-021
+
+Subject Property
+
+Clarified PropertyPhoto display rules
+
+09/17/2024
+
+1.2
+
+2024-028
+
+Header and Footer
+
+Updated DocumentFormIssuingEntityVersionIdentifier
+
+2024-044
+
+Header and Footer
+
+Added information for allowing additional text in the footer
+
+12/12/2023
+
+1.1
+
+2023-003
+
+Certifications and Scope of
+Work
+
+Updated predefined text for Scope of Work
+Updated Appraiser Cert 13
+Updated Supervisory Appraiser Certs
+
+2023-061
+
+Header and Footer
+
+Updated DocumentFormIssuingEntityVersionIdentifier
+
+03/29/2023
+
+1.0
+
+Initial Publication
+
+Page 3
+
+Table of Contents
+
+Revision History _____________________________________________________________________________________________________________ 1
+
+Table of Contents ____________________________________________________________________________________________________________ 3
+
+Introduction ________________________________________________________________________________________________________________ 5
+
+Overview __________________________________________________________________________________________________________________ 5

chunks/txt/9244d8b1ae6769d5297dc907cd9fb7fdf9615ed51c9380cce75600ea6dfc02c7.txt

@@ -0,0 +1,41 @@
+[Mortgage Translations](/mortgage-translations)
+
+- [About Mortgage Translations](/mortgage-translations)
+ - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)
+ - [COVID-19 Resources](/mortgage-translations/covid-19-resources)
+ - [Interpretive Services](/mortgage-translations/interpretive-services)
+ - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)
+ - [Search Documents](/mortgage-translations/search)
+ - News Public Affairs
+
+- [News Releases](/news/news-release)
+ - [Statements](/news/statement)
+ - [Speeches](/news/speech)
+ - [Testimonies](/news/testimony)
+ - [Public Input](/public-input)
+ - [Blogs](/blog)
+ - [Fact Sheets](/news/fact-sheet)
+ - [FAQs](/faqs)
+ - [Partner Agency Engagements](/news/partner-agency-engagements)
+ - [Public Engagements](/news/public-engagements)
+ - [Videos](/media)
+
+Social Media
+
+- [Facebook](https://www.facebook.com/FHFA)
+ - [LinkedIn](https://www.linkedin.com/company/354523)
+ - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [X (formerly Twitter)](https://twitter.com/FHFA)
+ .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu
+
+# Underserved Areas Data
+
+## Breadcrumb
+
+- [Home](/)
+ - [FHFA Data](/data)
+ - Underserved Areas Data
+
+## Low-Income Areas and Designated Disaster Areas Data​
+
+The Federal Housing Enterprises Financial Safety and Soundness Act of 1992 (Safety and Soundness Act) provides for the establishment of single-family and multifamily goals each year, including a single-family purchase money mortgage goal for families residing in low-income areas. The Safety and Soundness Act defines "low-income area" as: (a) census tracts or block numbering areas in which the median income does not exceed 80 percent of area median income (AMI), (b) families with income not greater than 100 percent of AMI who reside in minority census tracts, and (c) families with income not greater than 100 percent of AMI who reside in designated disaster areas. A “minority census tract” is a census tract that has a minority population of at least 30 percent and a median income of less than 100 percent of the AMI. Census tract level data identifying these areas are available below for 2010 and 2011 based on 2000 Census tract geography, for 2012 through 2021 based on 2010 Census tract geography, and for 2022 and subsequent years based on 2020 Census tract geography.

chunks/txt/925080a25a4aef0d51301ede0179903335f1864a5fb9c52baa6f6cdae66e6db9.txt

@@ -0,0 +1,57 @@
+SB4-1.3-05, Dwelling Exterior, Unit Interior, and
+Outbuilding Sections of the Appraisal Report
+(06/04/2025)
+
+B4-1.3-06, Property Condition and Quality of
+Construction of the Improvements (06/04/2025)
+
+SB4-1.3-06, Dwelling Condition and Quality of
+Construction (06/04/2025)
+
+B4-1.3-07, Sales Comparison Approach Section of
+the Appraisal Report (06/04/2025)
+
+SB4-1.3-07, Sales Comparison Approach Section of
+the Uniform Residential Appraisal Report
+(06/04/2025)
+
+B4-1.3-08, Comparable Sales (06/04/2025)
+
+SB4-1.3-08, Comparable Sales (06/04/2025)
+
+B4-1.3-09, Adjustments to Comparable Sales
+(06/04/2025)
+
+SB4-1.3-09, Adjustments to Comparable Sales
+(06/04/2025)
+
+B4-1.3-10, Cost and Income Approach to Value
+(06/04/2025)
+
+SB4-1.3-10, Cost and Income Approaches to Value
+(06/04/2025)
+
+B4-1.3-11, Valuation Analysis and Reconciliation
+Report (06/04/2025)
+
+SB4-1.3-11, Valuation Analysis and Reconciliation
+(06/04/2025)
+
+B4-1.3-12, Appraisal Quality Matters (09/03/2025)
+
+SB4-1.3-12, Appraisal Quality Matters (09/03/2025)
+
+B4-1.4-01, Factory-Built Housing: Manufactured
+Housing (09/03/2025)
+
+SB4-1.4-01, Factory-Built Housing: Manufactured
+Housing (09/03/2025)
+
+B4-1.4-05, Leasehold Interests Appraisal
+Requirements (06/04/2025)
+
+SB4-1.4-05, Leasehold Interests Appraisal
+Requirements (06/04/2025)
+
+B4-1.4-06, Community Land Trust Appraisal
+Requirements (06/04/2025)

chunks/txt/9258b0f1f33821778faefce24bd73e0be5baf715e9144d5aeb402033b4995d05.txt

@@ -0,0 +1,162 @@
+Report
+Field ID
+
+Report Label
+
+When Row
+Displays
+
+When to Include for
+each Comparable
+
+Allowable
+Answers / Format
+
+Origin of Subject
+Property Information
+
+Adjustable
+Row
+
+Definition / Additional Guidance
+
+Sales Comparison Approach: Water Frontage (For Each Body of Water With Private Access)
+
+22.04.01
+22.04.06
+
+Water
+Frontage
+
+Required for each
+body of water with
+private access
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+When the
+subject or any
+comparable
+has private
+access to one
+or more
+bodies of
+water
+
+Site
+•
+
+Body of Water
+Type 4.034
+
+No
+
+Bay
+Canal
+Cove
+Creek
+Gulf
+Lake
+
+•
+•
+•
+•
+•
+•
+• Marsh
+•
+Ocean
+•
+Pond
+•
+Reservoir
+•
+River
+•
+Sound
+•
+Other (Describe)
+
+Notes:
+•
+
+If the property has water frontage on multiple bodies of water,
+they display in the same cell separated by “|”.
+
+• When included, provides support for the Water Frontage with
+
+Private Access adjustment (22.04.05).
+
+Appendix F-1: URAR Reference Guide
+
+Page 235 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+Report
+Field ID
+
+Report Label
+
+When Row
+Displays
+
+When to Include for
+each Comparable
+
+Allowable
+Answers / Format
+
+Origin of Subject
+Property Information
+
+Adjustable
+Row
+
+Definition / Additional Guidance
+
+Sales Comparison Approach: Water Frontage (For Each Body of Water With Private Access)
+
+22.04.01
+22.04.06
+
+Water
+Frontage
+
+22.04.01
+22.04.06
+
+Water
+Frontage
+
+When subject
+or any
+comparable
+has private
+access to one
+or more
+bodies of
+water
+
+When subject
+or any
+comparable
+has private
+access to one
+or more
+bodies of
+water
+
+If relevant for each
+body of water with
+private access

chunks/txt/9262dce083a6f148b2d7c9e8066b29dbd0d696c5c31552a5c8c797bd2913ce6f.txt

@@ -0,0 +1,85 @@
+0–90 days
+09/20/2019
+
+Final Value Condition Statement This appraisal is made subject to the itemized list of repairs or alterations below on the basis of a
+hypothetical condition that the repairs or alterations have been completed in a professional manner. This might have affected the assignment
+results.
+
+Reconciliation of Market Value
+
+Utilize this subsection for additional commentary as required by USPAP.
+
+Appraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)
+
+Uniform Residential Appraisal Report
+
+Page 18 of 21
+Page 18 of 21
+
+Reconciliation (continued)
+
+Apparent Defects, Damages, Deficiencies
+
+The items listed below represent the As Is condition as of the effective date of this report
+
+Feature
+Dwelling Exterior
+
+Location
+
+Description
+
+Roof
+
+Section of Roof
+
+Roof is significantly worn and has
+damaged flashing, but no apparent
+active leaks.
+
+Affects Soundness
+or Structural
+Integrity
+
+Recommended
+Action
+
+Estimated Cost to
+Repair
+
+Yes
+
+Repair
+
+$1,500
+
+Unit Interior
+
+Flooring
+
+Dining Room
+
+Carpet is stained in one corner of the
+Dining Room.
+
+No
+
+None
+
+Total Cost
+
+$1,500
+
+As Is Overall Condition Rating
+
+C5
+
+Existing condition of the property as of the effective date of this
+appraisal, excluding all required repairs, alterations, or inspections
+
+Appraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)
+
+Uniform Residential Appraisal Report
+
+Page 19 of 21
+Page 19 of 21

chunks/txt/926ae8859df3c17183f64100edcf99886a840cee63387a0d8a1b32d369549157.txt

@@ -0,0 +1,49 @@
+field.
+
+Identification of Data Term Name Change from Previous Version
+Data Point: LoanProgramAffordableIndicator
+Definition: When true, indicates that the loan is classified as an affordable loan by
+
+the lender or the investor.
+
+App Info: Deprecated: replaced with Loan Affordable Indicator.
+
+Notes: The App Info column provides additional information about the use or
+
+history of the data point.
+
+6. Type
+
+Every data point has an associated MISMO data “Type,” which is consistent with the
+data point’s Class Word. The Type identifies the category of information this data
+point represents. There are more than 20 Types in the V3.0 Reference Model, ranging
+from Amount to Numeric to Year. In the LDD, data points with enumerated lists--
+ending in a Class Word of “Type”--have a Type of <DataPointNameEnumerated>.
+
+ULDDS Appendix A uses a subset of the MISMO data Types. These are identified
+and defined in Section I in the “Format” row of the XML Data Points Table Column
+Headings and Descriptions table.
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 14 of 76
+
+Section III. Using the MISMO v3.0 Logical Data Dictionary
+
+Example III-7. MISMO LDD Data Point Type.
+
+Data Point: PropertyValuationAmount
+Definition: Statement of property’s value from a valid property valuation source.
+Type: MISMOAmount
+
+Data Point: AttachmentType
+
+Definition: Specifies the type of physical attachment, if any, between the
+dwelling unit and adjacent dwelling units.
+
+Enumerations:
+ Attached
+ Detached
+ SemiDetached

chunks/txt/927ad0dbb0a70cc48dce22b79d00c7f3c7be9c1396f4a90fc4f357e3ede8bb04.txt

@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/mortgage-translations"
+date_accessed: "2026-01-27T17:54:20.736Z"
+---
+
+> *[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)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![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
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)

chunks/txt/927f68bb7f9aea3060536a0918aa9e741c8a3fcebdcedf98f6b672d0f7923aef.txt

@@ -0,0 +1,7 @@
+Freddie Mac Form 70H July 2020
+
+226
+
+Page 6 of 6
+
+Fannie Mae Form 1004 Hybrid July 2020

chunks/txt/927fcc09525752042f34056f7f50c51c7365018d1b2564fdace3b1d002bdcd06.txt

@@ -0,0 +1,25 @@
+###### Other Sites
+
+- [Fannie Mae's Consumer Website](https://www.fanniemae.com/)
+ - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/homeownership/duty-serve)
+ - [HomePath](https://www.homepath.com/)
+
+.login-block.menu-open .user-logout { position: inherit !important; float: left; margin-right: 5px; }
+
+jQuery(document).ready(function () { jQuery('a[href^="#"]:not(.hv-tabbed-content a)').on('click', function (e) { e.preventDefault(); const targetSelector = jQuery(this).attr('href'); const targetEl = jQuery(targetSelector); if (targetEl.length) { jQuery('html, body').animate( { scrollTop: targetEl.offset().top - 50, }, 500, function () { targetEl.attr('tabindex', '-1').focus(); } ); } }); });
+
+## Social media
+
+- [LinkedIn](https://www.linkedin.com/company/fannie-mae-corporation_19722)
+ - [Facebook](https://www.facebook.com/fanniemae)
+ - [Instagram](https://instagram.com/officialfanniemae)
+ - [X (formerly Twitter)](https://twitter.com/FannieMae)
+
+## Footer menu
+
+- [Suppliers](https://www.fanniemae.com/portal/suppliers/index.html)
+ - [Careers](https://careers.fanniemae.com/main)
+ - [Contact Us](https://www.fanniemae.com/portal/about-fm/sf-mf-contacts.html)
+ - [Legal](https://www.fanniemae.com/about-us/legal-disclosure)
+ - [Privacy](https://www.fanniemae.com/about-us/corporate-governance/online-privacy-notice)
+ - [Cookie Preferences](javascript:void(0);)

chunks/txt/9292ef8c6a42e3c1634d6a1e38f0211977ae895c872a837de0680ff27390e38c.txt

@@ -0,0 +1,58 @@
+ Used in: INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE as:
+
+AdjustmentRuleType
+
+ Used in:
+
+PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULE
+as: AdjustmentRuleType
+
+ Used in:
+
+PRINCIPAL_AND_INTEREST_PAYMENT_PERIODIC_ADJUSTMENT_RULE as:
+AdjustmentRuleType
+
+ Used in: RATE_OR_PAYMENT_CHANGE_OCCURRENCE as:
+
+AdjustmentRuleType
+
+Notes: The data point AdjustmentRuleType is used in four different containers.
+
+f
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 18 of 76
+
+Section III. Using the MISMO v3.0 Logical Data Dictionary
+
+a. Reusable Data Points in Unique Containers
+
+If the data point is re-used in uniquely named containers, as is the case with
+AdjustmentRuleType in the example above, then all that is needed is the parent
+container name to uniquely identify the data point.
+
+Example III-11. Repeatable Data Points in Unique Containers.
+
+
+
+INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE: AdjustmentRuleType --
+Specifies whether the occurrence of the adjustment is the first change or a
+subsequent change.
+
+ PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULE:
+
+AdjustmentRuleType -- Specifies whether the occurrence of the adjustment is
+the first change or a subsequent change.
+
+Notes: Indication of the unique parent container is enough to accurately define
+
+these repeatable data points.
+
+b. Reusable Data Points in Reusable Containers
+
+If the data point is re-used within a reusable container, then the full XPath of the
+data point must be known in order to accurately interpret its meaning. See Section
+IV-C. XPath-V3.0 Reference Model Navigation for an explanation of XPath.

chunks/txt/92931883740086432394b76104f135f75064abdccbf01e77a4ec42d57cf52950.txt

@@ -0,0 +1,100 @@
+Form
+Reference
+Number
+
+Form
+Section
+
+Form Field Label
+
+Data Point Name
+
+Data Point Definition
+
+XPath
+
+Data Point
+Field
+Length
+
+Format
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality
+
+COST APPROACH Replacement Cost
+
+Cost Analysis Type
+
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS[@_Type=‘Replacement’]
+
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS/@DataSourceDescription
+
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS/@CostServiceQualityRatingDescription
+
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS/COST_ANALYSIS_EXTENSION[@ExtensionSectionOrganizationNam
+e='UNIFORM APPRAISAL
+DATASET']/COST_ANALYSIS_EXTENSION_SECTION_DATA/COST
+_APPROACH_DATA_SOURCE/@GSECostDataSourceEffectiveDateDesc
+ription
+
+1
+
+20
+
+10
+
+Enumerated
+
+String
+
+String
+
+12
+
+String
+
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS/@_Comment
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+No more than one of fields 3-7, 3-8 (values of
+Cost Analysis Type) may be indicated.
+
+Specifies the type cost analysis
+performed. (e.g. whether it was for
+Replacement Costs or Reproduction
+A free-form text field used to describe the
+source of information.
+Specifies the quality rating of the
+itemized building cost information
+provided by the cost estimating service.
+
+Data Source
+Description
+
+Cost Service Quality
+Rating Description
+
+GSE Cost Data
+Source Effective
+Date Description
+
+The effective date of the cost data
+provided by the construction cost service
+used to determine the cost approach to
+value.

chunks/txt/929572adca29e2a5e441dc27bc6291bf7fbb8f3ef734a5553994360538cd5d47.txt

@@ -0,0 +1,3 @@
+Unit(s) ....................................................................................................................................................................................................................................... 286
+
+Quality and Condition (Ratings: 1-6, 1 is highest) .................................................................................................................................................................... 287

chunks/txt/92c1015d0cc22c733b50894b2dd7c7d9ebbacea0c2bd4d725d7047524ce53aca.txt

@@ -0,0 +1,30 @@
+Desktop Underwriter/Desktop Originator Release Notes
+DU Version 11.1 Feb. Update
+
+Dec. 13, 2023
+
+During the weekend of Feb. 10, 2024, Fannie Mae will update Desktop Underwriter® (DU®) Version 11.1, which will include the
+changes described below. Unless specified below, the changes in this release will apply to DU Version 11.1 loan casefiles
+submitted or resubmitted on or after the weekend of Feb. 10, 2024.
+
+The changes in this release include the following:
+▪ Rent Payment Identification on Third-Party Asset Reports
+▪ Updates to Align with the Selling Guide
+
+Rent Payment Identification on Third-Party Asset Verification Reports
+
+We continue to fine-tune the logic that identifies the rent payment history on a 12-month third-party asset verification report
+(“asset verification report”). Based on recent observations, updates will be made to improve DU’s ability to identify a rent
+payment history within the asset verification report for use in the credit risk assessment.
+
+Note: As continued analysis on this logic is performed, future updates will be made as necessary, and will be communicated
+in advance of the update being made in DU.
+
+Updates to Align with the Selling Guide
+
+Self-Employment Documentation
+
+Selling Guide Announcement SEL-2023-09 updated the policy that permits one year of personal and business tax returns for self-
+employed borrowers. DU was updated to begin issuing new self-employed documentation messages supporting this policy
+change for DU Version 11.1 loan casefiles created on or after Jan. 1, 2024, when the borrower’s primary job was self-employed. DU
+will now be updated to also issue the new messages when any job is self-employed, primary or secondary.

chunks/txt/92c39cbacedf98fb4d46035a81b9f44fa3874d46586a796a0578a149c6a86401.txt

@@ -0,0 +1,97 @@
+This field occurs on every page of the form and must be consistent. The
+placement of the header on the form varies from vendor to vendor. The print
+reference placement on Appendix C is not required and is for illustrative
+purposes only.
+
+This field may not exist in all forms vendor
+software.
+
+This field may not exist in all forms vendor
+software.
+
+String
+
+String
+
+String
+
+String
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+Company Address
+
+Appraiser Street
+Address
+
+The street address of the appraiser.
+
+/VALUATION_RESPONSE/PARTIES/APPRA
+ISER/@_StreetAddress
+
+50
+
+String
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+Company Address
+(Line 2)
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+Company Address
+(Line 2)
+
+Appraiser City
+
+The city in which the address of the
+appraiser is located.
+
+/VALUATION_RESPONSE/PARTIES/APPRA
+ISER/@_City
+
+70
+
+String
+
+Appraiser State
+
+The state in which the address of the
+appraiser is located.
+
+/VALUATION_RESPONSE/PARTIES/APPRA
+ISER/@_State
+
+2
+
+String
+
+Should conform to USPS (Pub 28). The following address elements should be
+included in this field:
+• Street number
+• Street name (including applicable pre-directional indicator, suffix, and/or
+post-directional indicator)
+• Address unit designator and number (if applicable)
+
+Should conform to USPS (Pub 28). The following address element should be
+included in this field:
+• City
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+Should conform to USPS (Pub 28). The following address element should be
+included in this field:
+• USPS two-letter state or territory representation
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+Company Address
+(Line 2)

chunks/txt/92c7cf576d77ad2c53adaa6a53130f373f96cfe9f869d86b76bad6e70a468fa1.txt

@@ -0,0 +1,24 @@
+19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and
+information in this appraisal report are true and correct.
+
+20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any
+agreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a
+predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or
+occurrence of a specific subsequent event (such as approval of a pending mortgage loan application).
+
+21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided
+significant real property appraisal assistance.
+
+21. I personally prepared conclusions and opinions about the real estate that were set forth in this appraisal report. [Contact Name(s)]
+provided significant real property appraisal assistance in the development of this report. I certify that any individual so named is qualified to
+perform the assistance.
+
+22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is
+unauthorized and I will take no responsibility for it.
+
+23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will
+receive this appraisal report.
+
+24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject
+to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that
+pertain to disclosure or distribution by me.

chunks/txt/92f31d10da70719d9c860d457d8c48fb04a1cb9c5f4c69fcec85256c8a58d33e.txt

@@ -0,0 +1,76 @@
+▪ UCD v2.0 Tab 9 –
+ucd:FeeItemType
+Enumerations.
+
+▪ UCD v2.0 Tab 8 –
+Enumerations for
+all deleted
+FeeType
+enumerations.
+
+© 2025 Fannie Mae and Freddie Mac. Trademarks are the property of their respective owners.
+
+December 2025
+
+3
+
+This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by
+Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.
+
+Change
+
+Description
+
+Potential Impact
+
+Additional
+Information
+
+© 2025 Fannie Mae and Freddie Mac. Trademarks are the property of their respective owners.
+
+December 2025
+
+4
+
+This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by
+Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.
+
+Change
+
+Description
+
+Potential Impact
+
+New Critical/Fatal
+UCD Specification
+Version Edits
+
+Continue to support
+Qualified Mortgage
+(QM) Requirements
+
+▪ During the transition period to UCD v2.0
+in the production environment, UCD
+XML files may continue in the UCD v1.5
+format OR may use the UCD v2.0
+format.
+
+▪ Files that combine the two Specification
+formats will result in a “Not Successful”
+or “Not Satisfied” submission status.
+
+▪ The transition to the UCD v2.0 file format must
+be done all at one time. UCD XML files must
+include the DataVersionIdentifier = “UCD2.0”
+and the EXTENSION to FEE_DETAIL.
+
+▪ UCD XML files that contain both FeeType and
+
+ucd:FeeItemType data points will not be
+accepted. New critical/fatal edits will prevent
+files that combine data points from both UCD
+v1.5 and UCD v2.0.
+
+▪ The conditionality details for
+
+▪ To respond to industry questions, the GSEs clarified

chunks/txt/92fb0830611bbb1d480837020cef0ed6f41fb362f3d233b56d7ae5ed579ed3de.txt

@@ -0,0 +1,18 @@
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
+
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/1061","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); })();

chunks/txt/930444e9995ca5728ef3a9b47da1ec28da19e6fb40ff7b46e2aeed8ceab1dd31.txt

@@ -0,0 +1,21 @@
+Signature
+
+Appraiser
+Agatha Appraiser
+Agatha Appraiser
+
+09/08/2019
+
+Date of Signature and Report
+
+Level
+ID
+State
+Expires
+
+Certified Residential
+XYZ12345
+VA
+12/31/2019
+
+Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024

chunks/txt/9304debe196ef65a25bc04fc2e323e2522059b54fb6a09abe81e3259e1a532f6.txt

@@ -0,0 +1,130 @@
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+35
+
+36
+
+37
+
+38
+
+39
+
+40
+
+41
+
+42
+
+43
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+or State License #
+
+Appraiser License
+Identifier
+
+State license number of the appraiser who
+completed the final estimate of value for
+the subject property.
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICE
+NSE[@_Type=‘License’]/@_Identifier
+
+25
+
+String
+
+UAD Requirement – Refer to Appendix D Appraiser Certification Section
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+State
+
+Appraiser License
+State
+
+The state in which the appraiser is
+licensed.
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICE
+NSE/@_State
+
+2
+
+String
+
+Should conform to USPS (Pub 28). The following address element should be
+included in this field:
+• USPS two-letter state or territory representation
+UAD Requirement – Refer to Appendix D Appraiser Certification Section
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+Expiration Date of Certification
+or License
+
+Appraiser License
+Expiration Date
+
+The expiration date of the appraiser's
+license.
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICE
+NSE/@_ExpirationDate
+
+10
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+APPRAISER
+CERTIFICATION
+
+Did not inspect exterior of
+subject property
+
+Appraisal Inspection
+Type
+
+Specifies the extent of the property
+inspection.
+
+APPRAISER
+CERTIFICATION
+
+Did inspect exterior of subject
+property from street
+
+Appraisal Inspection
+Type
+
+Specifies the extent of the property
+inspection.
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@A
+ppraisalInspectionPropertyType=‘Subject’ and
+@AppraisalInspectionType=‘None’]
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@A
+ppraisalInspectionPropertyType=‘Subject’ and
+@AppraisalInspectionType=‘ExteriorOnly’]

chunks/txt/930a3f2bc44c736f9e93a928f8505cdbcd455e543035de3811cf741b47cae8e1.txt

@@ -0,0 +1,32 @@
+Contents
+Document Updates.......................................................................................................................... ii
+Document Version and Revision History ...................................................................................... iii
+Contents ......................................................................................................................................... iv
+I. Introduction ................................................................................................................................ 6
+A. Context for the User Guide ................................................................................................. 6
+B. Purpose of the User Guide.................................................................................................. 6
+C. Overview of the MISMO Data Standard ............................................................................ 7
+D. Overview of ULDDS and ULDD Documentation.............................................................. 8
+1. Uniform Loan Delivery Data Specification.................................................................. 8
+2. GSE-Specific Implementation Guides.......................................................................... 9
+3. Updates to ULDDS and ULDD Documentation .......................................................... 9
+E. Overview of the User Guide ............................................................................................... 9
+II. Source of the MISMO Standard................................................................................................. 7
+A. The MISMO Organization ................................................................................................... 7
+B. MISMO Standard Developers............................................................................................. 7
+III. Using the MISMO v3.0 Logical Data Dictionary..................................................................... 8
+A. The V30_B263-12_LDDReport ......................................................................................... 8
+1. Data Point....................................................................................................................... 8
+2. Definition ...................................................................................................................... 9
+3. Enumeration : Explanation ......................................................................................... 10
+4. Enumeration: -- URN Suffix....................................................................................... 13
+5. App Info ...................................................................................................................... 13
+6. Type .............................................................................................................................. 14
+7. Sensitive Information.................................................................................................. 17
+8. URN ............................................................................................................................ 18
+9. Context........................................................................................................................ 18
+B. Containers ......................................................................................................................... 19
+1. Container....................................................................................................................... 19
+2. Definition .................................................................................................................... 20
+3. URN .............................................................................................................................. 21
+4.

chunks/txt/930b6f94b0afe2cf53e268f8406b293c025c8e6ec44ff1bf4001df8825f655f4.txt

@@ -0,0 +1,129 @@
+If relevant
+
+Heating System Type is
+not reported for
+comparables
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+guidance column
+
+Appendix F-1: URAR Reference Guide
+
+Page 271 of 375
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+•
+
+•
+
+Include this row in the sales comparison grid when the specific
+breakdown between finished and unfinished area for the
+comparables is available and needed to support conclusions.
+Indicate in Reconciliation of Sales Comparison Approach (22.16.01)
+if area is estimated for the comparable.
+
+The total volume of the outbuilding, including finished and unfinished
+areas. When applicable, report the volume provided.
+
+Note: If the subject or a given comparable does not have any full baths
+in the outbuilding, enter 0.
+
+Note: If the subject or a given comparable does not have any half baths
+in the outbuilding, enter 0.
+
+Note: If the subject or a given comparable does not have a kitchen in the
+outbuilding, enter 0.
+
+Heating System Exists
+•
+
+If No, “None” displays.
+
+•
+None
+•
+Baseboard
+•
+Fireplace
+•
+Forced Warm Air
+•
+Gravity Air
+• Mini Split
+•
+•
+•
+•
+•
+
+Passive Solar
+Radiant
+Radiators
+Stove
+Other (Describe)
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+Report Label
+
+When Row
+Displays
+
+When to Include for
+each Comparable
+
+Allowable
+Answers / Format
+
+Origin of Subject
+Property Information
+
+Adjustable
+Row
+
+Definition / Additional Guidance
+
+Sales Comparison Approach: Outbuilding
+
+Report
+Field ID
+
+22.14.10
+22.14.24
+
+Cooling
+
+If relevant
+
+Required when the
+row is included in the
+sales comparison grid
+
+Yes | No
+
+22.14.10
+
+Cooling
+
+If relevant

chunks/txt/931397d5f18420a186f05782a6055a43c76f88eec58ff64b70a915e7a52716ec.txt

@@ -0,0 +1,195 @@
+487
+
+488
+
+489
+
+490
+
+491
+
+492
+
+493
+
+3
+
+4
+
+4
+
+4
+
+4
+
+5
+
+5
+
+5
+
+5
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+2
+
+3
+
+4
+
+HEADER
+
+BLANK
+
+HEADER
+
+File #
+
+HEADER
+
+BLANK
+
+4a
+
+HEADER
+
+BLANK
+
+2
+
+3
+
+4
+
+HEADER
+
+BLANK
+
+HEADER
+
+File #
+
+HEADER
+
+BLANK
+
+4a
+
+HEADER
+
+BLANK
+
+2
+
+3
+
+4
+
+HEADER
+
+BLANK
+
+HEADER
+
+File #
+
+HEADER
+
+BLANK
+
+4a
+
+HEADER
+
+BLANK
+
+APPRAISER
+CERTIFICATION
+APPRAISER
+CERTIFICATION
+
+Appraiser
+Name
+Appraiser
+Company Name
+
+5
+
+6
+
+7
+
+Report Title
+Description
+
+Appraiser File
+Identifier
+
+Appraiser
+Additional File
+Identifier Name
+
+Used to specify the title of a report.
+
+/VALUATION_RESPONSE/REPORT/@_TitleDescription
+
+This is an identifier or number used by
+the appraiser to identify their reports. It is
+generally specific to the appraiser.
+
+Secondary report identifier used by the
+appraiser to identify appraisal reports.
+This field may carry the FHA number,
+case number, loan number or some other
+identifier.
+
+/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier
+
+/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName
+
+Appraiser
+Additional File
+Identifier
+
+Used to indicate by name the type of
+identifier represented by
+AppraisersAdditionalFileIdentifier.
+
+/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier
+
+Report Title
+Description
+
+Appraiser File
+Identifier
+
+Appraiser
+Additional File
+Identifier Name
+
+Used to specify the title of a report.
+
+/VALUATION_RESPONSE/REPORT/@_TitleDescription
+
+This is an identifier or number used by
+the appraiser to identify their reports. It is
+generally specific to the appraiser.
+
+Secondary report identifier used by the
+appraiser to identify appraisal reports.
+This field may carry the FHA number,
+case number, loan number or some other
+identifier.

chunks/txt/9323c311d0cab8d35c060bfb57c31e9584fb2c66803f53616d14e41c8fd5a2af.txt

@@ -0,0 +1,43 @@
+[Mortgage Translations](/mortgage-translations)
+
+- [About Mortgage Translations](/mortgage-translations)
+ - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)
+ - [COVID-19 Resources](/mortgage-translations/covid-19-resources)
+ - [Interpretive Services](/mortgage-translations/interpretive-services)
+ - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)
+ - [Search Documents](/mortgage-translations/search)
+ - News Public Affairs
+
+- [News Releases](/news/news-release)
+ - [Statements](/news/statement)
+ - [Speeches](/news/speech)
+ - [Testimonies](/news/testimony)
+ - [Public Input](/public-input)
+ - [Blogs](/blog)
+ - [Fact Sheets](/news/fact-sheet)
+ - [FAQs](/faqs)
+ - [Partner Agency Engagements](/news/partner-agency-engagements)
+ - [Public Engagements](/news/public-engagements)
+ - [Videos](/media)
+
+Social Media
+
+- [Facebook](https://www.facebook.com/FHFA)
+ - [LinkedIn](https://www.linkedin.com/company/354523)
+ - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [X (formerly Twitter)](https://twitter.com/FHFA)
+ .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu
+
+# Legal Documents & Suspensions
+
+- ## Litigation
+
+Compilation of documents related to litigation involving the Federal Housing Finance Agency (FHFA), the Office of Federal Housing Enterprise Oversight...
+
+[Read more](/supervision/legal-documents/litigation)
+
+- ## FHFA Orders
+
+Cumulative list of FHFA legally binding orders that mandate action by a regulated entity.
+
+[Read more](/supervision/legal-documents/fhfa-orders)

chunks/txt/93246ab3580af949bdd735732dc9aedc1957e72bdebaee75929991d736944592.txt

@@ -0,0 +1,31 @@
+TXC-NP
+
+FTR-L
+
+FTR-R
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Restricted Appraisal Update Report Page [Page] of [Pages]Update Version #Fannie Mae | Freddie Mac September 2024
+
+HDR-L
+
+HDR-R
+
+2 COLUMN PAGE FORMAT
+
+TXC-NP
+
+10. I personally performed an inspection of the exterior areas of the subject property from at least the street. I reported the readily observable
+condition of the improvements in factual, specific terms. I reported any known physical deficiencies that could affect the soundness or
+structural integrity of the property.
+
+10. I did not personally perform an onsite inspection of the subject property as part of this appraisal assignment. I reported the condition of
+the improvements in factual, specific terms, relying on subject property information data sources I considered reliable. I reported any known
+physical deficiencies that could affect the soundness or structural integrity of the property.
+
+11. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and
+information in this appraisal report are true and correct.
+
+12. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any
+agreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a
+predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or
+occurrence of a specific subsequent event (such as approval of a pending mortgage loan application).

chunks/txt/9324a7b0c6a57d620de0e002aee2bb6029c7733ba372ebf5ae08e48fcca03c06.txt

@@ -0,0 +1,111 @@
+C1
+
+The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report
+
+Exterior Features
+
+Feature
+Exterior Walls and Trim
+
+Detail
+Cement Board
+
+Foundation
+
+Poured Concrete | Basement
+
+Roof
+
+Windows
+
+Composition
+Estimated Age:
+Less than 1 year
+
+Subject has a mix of double
+hung and casement
+windows, all are low e.
+
+Noncontinuous Finished Area
+
+Quality Comment
+The exterior of the homes
+is a mix of Hardie plank and
+stone.
+
+Subject has a walkout lower
+level, concrete covered with
+Hardie plank.
+
+Condition Status
+New or Like New
+
+New or Like New
+
+Roof is covered with a 50 year
+composition roof.
+
+New or Like New
+
+Windows are metal clad with
+paintable wood interior.
+
+New or Like New
+
+Condition Comment
+
+The table below depicts any finished area that is attached to the dwelling but separate and not directly accessible from any unit
+
+Finish
+Finished
+
+Total Area
+360 Sq. Ft.
+
+Room Summary
+1 - Family Room
+
+Check #A
+
+Mechanical System Details
+
+Heating
+
+Cooling
+
+System
+Forced Warm Air
+
+Centralized
+
+Detail
+Natural Gas
+
+Core Heating System Below Grade
+
+Other Mechanical Systems
+
+Sump Pump
+
+Yes No
+ 
+
+Apparent Defects, Damages, Deficiencies (Dwelling Exterior)
+
+None
+
+Dwelling Exterior Commentary
+
+The subject is a new construction home with no damages, defects or deficiencies and is built using green materials.
+
+Dwelling Exterior Exhibits
+
+Noncontinuous Area - Bonus Room
+
+Dwelling Rear
+
+This is where the Noncontinuous Area photo would display.
+
+This is where the Dwelling Rear photo would display.
+
+Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024

chunks/txt/932e55514c7e1f76f9afcf50f74b030817f0516192534e587a39d4ecdbb4f872.txt

@@ -0,0 +1,96 @@
+Provides the name, Unique Identifier (UID) and Field Identifier (FID) displayed in the URAR Delivery Specification for the relevant instance of the
+ConstructionMethodType data point used in the legacy form mapping summary.
+
+Provides the name, Unique Identifier (UID) and Field Identifier (FID) displayed in the URAR Delivery Specification for the relevant instance of the
+LandOwnedInCommonIndicator data point used in the legacy form mapping summary.
+
+Project Legal Structure
+
+(UID: 2500.0168, FID: 1.016,1.017, 1.018)
+
+Provides the name, Unique Identifier (UID) and Field Identifier (FID) displayed in the URAR Delivery Specification for the relevant instance of the
+ProjectLegalStructureType data point.
+
+Units Excluding ADUs
+
+(UID: 0100.0022, FID: 1.021)
+
+Accessory Dwelling Units
+
+(UID: 0100.0019, FID: 1.022)
+
+Provides the name, Unique Identifier (UID) and Field Identifier (FID) displayed in the URAR Delivery Specification for the relevant instance of the
+LivingUnitExcludingADUCount data point.
+
+Provides the name, Unique Identifier (UID) and Field Identifier (FID) displayed in the URAR Delivery Specification for the relevant instance of the
+AccessoryDwellingUnitTotalCount data point.
+
+c
+e
+p
+S
+y
+r
+e
+v
+i
+l
+
+e
+D
+D
+A
+U
+m
+o
+r
+f
+n
+o
+i
+t
+a
+m
+r
+o
+f
+n
+
+I
+
+i
+
+t
+n
+o
+P
+a
+t
+a
+D
+y
+t
+r
+e
+p
+o
+r
+P
+t
+n
+a
+v
+e
+e
+R
+
+l
+
+This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency.
+©2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.
+
+4
+
+Legacy Forms Mapping
+
+Legacy Forms

chunks/txt/933068e3969760ab34d791207b5f5259211d426ba5fad17d7c0e0012b993d328.txt

@@ -0,0 +1,141 @@
+false
+
+Utilize this subsection for additional commentary as required by USPAP.
+
+SubjectToRepair
+
+2019-09-20
+
+90
+
+0
+
+ReasonableExposureTime
+
+491000
+
+C5
+
+false
+
+AA12345
+
+false
+
+AmericanNationalStandardsInstitute
+
+false
+
+false
+
+true
+
+URAR Delivery Specification v1.3
+
+InteriorAndExterior
+
+MYAPP
+
+Some Appraisal Creator
+
+11.2.1
+
+Nowhere Technologies
+
+DEF Bank
+
+200 Elm St
+
+Anytown
+
+12346
+
+VA
+
+Lender
+
+Client
+
+XYZ Appraisal Management Company
+
+300 Maple Ave
+
+Anytown
+
+12345
+
+VA
+
+ManagementCompany
+
+Agatha
+
+Appraiser
+
+123 Main St
+
+Anytown
+
+12345
+
+VA
+
+ABC Appraisal Co.
+
+SeniorResidentialAppraiser
+
+CertifiedResidential
+
+2020-10-10
+
+XYZ12345
+
+VA
+
+Appraiser
+
+Andrew
+
+Appraiser
+
+None
+
+SignificantRealPropertyAppraisalAssistance
+
+Andrew Appraiser, a trainee appraiser, filled out the Market section, provided the Market Analysis, assisted in measuring property, and did an exterior inspection of the comparables from the street.
+
+Betty
+
+Borrower
+
+Borrower
+
+Bob
+
+Borrower
+
+Borrower
+
+Jane
+
+Doe
+
+PropertySeller
+
+PropertyOwner
+
+Valuation
+
+2019-09-20
+
+\\SF1_Appraisal_v1.3.pdf
+
+application/pdf
+
+4
+
+AppraisalReport
+
+FNM_FRE
+
+September 2024

chunks/txt/9334497372db8725cd01309cb7183dbabeaf789ce5dc4bb54993932e02f68e52.txt

@@ -0,0 +1,122 @@
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Always required
+
+Yes | No
+
+Indicates whether the property has renewable energy components that are
+known to the appraiser.
+Note: If No, the Renewable Energy Components subsection does not display.
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Choose an
+allowable answer
+from table
+(Renewable
+Energy
+Ownership)
+
+Yes | No
+
+Renewable Energy Component Type
+The type(s) of renewable energy component present on the site.
+•
+•
+• Wind Turbine
+•
+
+Geothermal
+Solar
+
+Other (Describe)
+
+Renewable Energy Component Ownership: The type of ownership for the
+renewable energy component.
+•
+•
+•
+•
+
+Leased
+Owned
+Power Purchase Agreement (PPA)
+Other
+
+Indicates whether there is a financing arrangement specific to the renewable
+energy component.
+
+Report
+Field ID
+
+6.000
+
+6.001
+
+Known
+Renewable
+Energy
+Components
+
+Renewable
+Energy
+Component
+
+Required if Known
+Renewable Energy
+Components is Yes
+
+6.002
+
+Ownership
+
+If available for each
+renewable energy
+component
+
+6.003
+
+Financing
+Arrangement
+
+Required for each
+renewable energy
+component if
+Renewable Energy
+Component Ownership
+is Owned
+
+Appendix F-1: URAR Reference Guide
+
+Page 87 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+06 Energy Efficient and Green Features
+
+Allowable Answer
+
+Definition / Additional Guidance
+
+Renewable Energy Ownership (Choose one for each Renewable Energy Component)
+
+Leased
+
+Owned
+
+Indicates use of the renewable energy component is granted through a signed lease agreement.
+
+Indicates the renewable energy component has been purchased by the homeowner, including when subject to a financing
+arrangement.

chunks/txt/933e1230955238d1ee309efab1609b82122a4cdd27ed8786e5e90567f46dd16d.txt

@@ -0,0 +1,56 @@
+Note: A property with one primary dwelling and an accessory dwelling unit (ADU) is classified as a one-unit property and must
+meet all one-unit requirements, unless otherwise specified. For guidance on the number of ADUs allowed on one-, two-, and
+three-unit properties, refer to the Accessory Dwelling Units section in SB2-3-04, Special Property Eligibility Considerations.
+
+Property Location
+
+The security property must be located in
+
+the United States (including the District of Columbia),
+
+•
+• Puerto Rico,
+•
+• Guam.
+
+the U.S. Virgin Islands, or
+
+Property Requirements
+
+The mortgaged premises must be
+
+•
+
+•
+
+•
+
+residential in nature as defined by the characteristics of the property and surrounding market area (see SB4-1.3-03,
+Market Section of the Uniform Residential Appraisal Report);
+
+secured by an interest in real property within the meaning of the Internal Revenue Code as such term is defined in 26
+C.F.R. § 1.856-3;
+sound and structurally secure (see SB4-1.3-06, Dwelling Condition and Quality of Construction);
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 9 of 166
+
+UAD 3.6 Policy
+
+•
+
+•
+
+•
+
+•
+
+the highest and best use of the property as improved (or as proposed per plans and specifications), and the use of the
+property must be legal or legal non-conforming (see SB4-1.3-04, Property Site, Disaster Mitigation, and Highest and Best
+Use);
+readily accessible by roads that meet local standards (see SB4-1.3-04, Property Site, Disaster Mitigation, and Highest and
+Best Use);
+served by utilities that meet community standards (see SB4-1.3-04, Property Site, Disaster Mitigation, and Highest Best
+Use); and
+suitable for year-round use.

chunks/txt/933f2578c06d13db7f3d236cabefa7d0deb58f5c3c48b7fb7bff95b87c881d16.txt

@@ -0,0 +1,17 @@
+![image](Uniform_Appraisal_Dataset___Fannie_Mae_fact-sheet.svg)
+
+[UAD 3.6 Documentation](#uad-documentation)
+
+![image](Uniform_Appraisal_Dataset___Fannie_Mae_technology.svg)
+
+[UAD 2.6 and Resources](#uad-26-resources)
+
+#### Lender Preparedness Webinar Recording
+
+[]() ×
+
+> *[Iframe content not accessible: https://fanniemae.qumucloud.com/view/XircO1Beu7xameqeTvQnay?&autoplay=0]*
+
+![image](Uniform_Appraisal_Dataset___Fannie_Mae_thumbnail)
+
+![image](Uniform_Appraisal_Dataset___Fannie_Mae_UMDP_20logo_20May_202021.png)

chunks/txt/934c0522fc523c07d9127c92485c06aed9e23810f40ddd78f2405408645193bd.txt

@@ -0,0 +1,31 @@
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
+
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chunks/txt/9354544598e598c5393f05028ffec2a1384169349458599d8937c95d885b4675.txt

@@ -0,0 +1,147 @@
+22.17.04 Status
+
+If available when
+Listing Status is Settled
+Sale
+
+Required for each
+additional property
+
+Property Address
+
+Allowable
+Answers / Format
+
+1, 2, 3 …
+
+Free-form, in
+format that
+conforms to
+address standards
+in USPS
+Publication 28,
+Postal Addressing
+Standards
+
+mm/dd/yyyy
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+•
+•
+•
+•
+
+Active
+Off Market
+Pending
+Settled Sale
+
+Appendix F-1: URAR Reference Guide
+
+Page 277 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+Report
+Field ID
+
+Not on
+Report
+
+Sales Comparison Approach – Additional Properties Analyzed Not Used
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Required for each
+additional property
+
+Yes | No
+
+This is an
+appraiser input
+that does not
+display
+
+Reconsideration Requested
+Indicates whether the client has requested the appraiser to consider this
+additional property in the Sales Comparison analysis after the appraiser
+submitted their analysis.
+
+22.17.05 Reason Not
+
+Used
+
+Required for each
+additional property
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+
+Accessory Dwelling Unit
+Age
+Amenities
+Area Below Grade
+Bathroom Count
+Bedroom Count
+Condition
+Dated Sale
+Design or Style Variance
+Finished Area
+Gross Building Area
+Lot Size
+Outbuildings
+Proximity
+Quality
+Sale or Transfer Type
+Site Influence
+Other (Describe)
+
+22.17.06 Comment
+
+Required for each
+additional property
+
+Free-form
+
+Additional details and analysis to support the reason for not including in the
+sales comparison grid.

chunks/txt/9374cd5b71f7724388cb5d10d57f4f2bbd42c73769ca84a2ba6e80751d236b31.txt

@@ -0,0 +1,100 @@
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+10
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+This field indicates the listing status of the comparable.
+
+11
+
+Enumerated
+
+Allowable Values PDF Allowable Values
+Active Active
+Expired e
+Withdrawn w
+Contract c
+SettledSale s
+
+This field is required if the value of field e-26
+(GSE Financing Type) is 'Other'.
+
+CR
+
+CR
+
+CR
+
+If the value of field e-29 is 'SettledSale', this
+field is required.
+
+CR
+
+CR
+
+CR
+
+The sum of this field 2-55 and fields (2-53, 2-
+57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-71,
+2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-
+88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must
+add up to Net Adjustment field 2-103.
+
+CR
+
+CR
+
+CR
+
+R
+
+R
+
+R
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+This field must indicate the month and year of the event indicated by field e-29.
+No intent to collect time or day in this field. If the value of field e-29 is
+'SettledSale', then the second instance of this field must indicate the month and
+year of the contract date.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+This field is required if the value of field e-29
+(GSE Listing Status Type) is not 'Active'. If
+the value of field e-29 is 'SettledSale' and the
+value of field e-31 is 'N', then a second
+instance is required.
+
+5
+
+String
+
+CR
+
+CR
+
+CR
+
+Data Format:
+mm/yy
+
+3
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+For settled sales, this field indicates whether or not the contract date is
+unknown ('Y' indicates unknown, 'N' indicates known).