Uniform Appraisal Dataset
Fannie Mae and Freddie Mac (the GSEs) have worked on the UAD redesign since 2018, leveraging extensive stakeholder input to update the appraisal dataset, align it with current mortgage industry data standards (MISMO® v3.6), and replace the GSE appraisal forms with a single data-driven, flexible, and dynamic appraisal report for any residential property type. To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources below.
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Limited Production Period participants: access UAD 3.6 policy using the Selling Guide Supplement
Appendix A-1: URAR Delivery Specification
This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.
Appendix B-1: URAR Implementation Guide
This zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids and provide guidance for creating the user interface.
This zip file contains the URAR with Report Field IDs document and the URAR without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality.
Appendix D-1: URAR Sample Scenarios and XML Files
This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version.
Appendix E: Report Style Guide
This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted.
Appendix F-1: URAR Reference Guide
This zip file contains the URAR Reference Guide and its supplement. The Reference Guide provides guidance on how to enter information and how the data will be displayed in the URAR. The supplement summarizes information about the Comparable Grids.
Appendix G-1: Redesign to Legacy UAD Cross Reference Guide
This document contains the data points, enumerations, and xPaths of the redesigned UAD mapped to existing data elements in the Legacy UAD dataset.
Appendix H-1: UAD Compliance Rules-URAR
This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Delivery Specification. These rules verify data completeness, validity (format and data type), and reasonableness.
Appendix A-2: Restricted Appraisal Update Report Delivery Specification
This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.
Appendix B-2: Restricted Appraisal Update Report Implementation Guide
The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report.
Appendix C-2: Restricted Appraisal Update Report Layout
This zip file contains the Restricted Appraisal Update Report with Report Field IDs document and the Restricted Appraisal Update Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Restricted Appraisal Update Report, regardless of conditionality.
Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File
This zip file contains an example scenario, accompanying XML, and a document that summarizes the scenario, including key characteristics and changes since the last published version.
Appendix E: Report Style Guide
This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted.
Appendix F-2: Restricted Appraisal Update Report Reference Guide
This document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report.
Appendix H-2: UAD Compliance Rules – Restricted Appraisal Update Report
This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Restricted Appraisal Update Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness.
Appendix A-3: Completion Report Delivery Specification
This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.
Appendix B-3: Completion Report Implementation Guide
The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report.
Appendix C-3: Completion Report Layout
This zip file contains the Completion Report with Report Field IDs document and the Completion Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Completion Report, regardless of conditionality.
Appendix D-3: Completion Report Sample Scenarios and XML Files
This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version.
Appendix E: Report Style Guide
This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted.
Appendix F-3: Completion Report Reference Guide
This document provides guidance on how to enter information and how the data will be displayed in the Completion Report.
Appendix H-3: UAD Compliance Rules – Completion Report
This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Completion Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness.
The UAD documentation leverages the MISMO Version 3.6. The GSEs have created a Subschema that contains only the data elements needed to support the UAD 3.6 specification and includes additional enforcement.
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Legacy Documentation
The forms and mapping below support the current UAD. See UAD documentation above for UAD 3.6 documents.
- UAD 2.6 FAQs
- Legacy UAD Compliance Rules
- Legacy UAD Specification Guide
- Legacy UAD Specification: Appendix A | GSE Appraisal Forms Mapping (.pdf)
- Legacy UAD Specification: Appendix B | GSE Appraisal Forms Mapping (.xls)
- Legacy UAD Specification: Appendix C | Appraisal Forms with Numbered Fields
- Legacy UAD Specification: Appendix D | Field-Specific Standardization Requirements
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