Delivering

Uniform Appraisal Dataset

Improving the quality and consistency of appraisal data

Fannie Mae and Freddie Mac (the GSEs) have worked on the UAD redesign since 2018, leveraging extensive stakeholder input to update the appraisal dataset, align it with current mortgage industry data standards (MISMO® v3.6), and replace the GSE appraisal forms with a single data-driven, flexible, and dynamic appraisal report for any residential property type. To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources below.

 

New: Lender Preparedness Webinar Recording

Announcements

The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team have developed new and updated existing documentation to support ongoing implementation efforts. Visit the Fannie Mae and Freddie Mac webpages to view all UAD resources. 

  • New: Frequently Asked Questions (UAD 3.6) – Provides answers to common questions about the UAD 3.6 and Forms Redesign.
  • New: Lender Preparedness Webinar Recording – View the Lender Preparedness webinars from February/March 2025 to learn the key benefits of the redesign, how to prepare for the transition (including timeline), and advantages of participating in the Limited Production Period.
  • Republished: Sample Scenario PDFs (Combined) – We’ve provided a PDF of previously published Appendix D sample scenarios to make it easier to access and review them. Appendix D: Sample Scenarios and XML files that were originally published in 2023 and 2024 are also still available.
  • Republished: Condition and Quality Rating Definitions PDF – We’ve republished the Condition and Quality Rating Definitions in a separate PDF to make them more accessible. Appendix F-1: URAR Reference Guide published in 2023, that includes the definitions, is also still available.
  • Updated: Lender Readiness Kit – Minor updates and clarifications to help lenders prepare for and adopt the new UAD 3.6 and retire the existing appraisal forms. Offers timelines, roadmaps, and additional resources to keep lenders on track.

The Limited Production Period provides a chance for lenders to use the new Uniform Appraisal Dataset (UAD) 3.6 and redesigned Uniform Residential Appraisal Report (URAR) in the production environment prior to broad industry availability. Participants will experience the benefits of the new UAD 3.6 and URAR before other lenders.

  • Review the Limited Production Readiness Overview for Lenders to learn about the Limited Production Period, including the benefits of participating, how to prepare, and the steps required to join.
  • Take the Lender Readiness Questionnaire once you’ve determined you meet the requirements to join the Limited Production Period.
  • Submit your completed Lender Readiness Questionnaire to [email protected], [email protected], and copy both of your GSE account representatives. The GSEs will review your submission and readiness for participation in the Limited Production Period and communicate approval and next steps via email.

If you have questions, please contact your GSE account representative.

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UAD and Forms Redesign Timeline

Detailed timeline outlines specific dates for each implementation phase to help the industry prepare.

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Industry Training for the New UAD and URAR

New URAR course educates industry on the dynamic appraisal reports and updated dataset.

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Lender Readiness Kit

This document helps lenders prepare for and adopt the updated UAD and retire the existing appraisal forms. It offers timelines and roadmaps to keep lenders on track, and additional resources to learn more along the way.

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Functioning without Form Numbers: Mapping Legacy Forms to the Redesigned URAR

Helps the transition to the new report by providing clarification on how existing appraisal form numbers map to the URAR’s new dynamic structure and discrete and repeatable data.

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Frequently Asked Questions

Provides answers to common questions about the UAD 3.6 and Forms Redesign.

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Limited Production Period Overview

Guidelines to aid lenders in preparing for the Limited Production Period of the UAD 3.6 and Forms Redesign Initiative.

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Limited Production Period Lender Readiness Questionnaire

Must be completed by lenders who are seeking approval to participate in the UAD 3.6 and Forms Redesign Limited Production Period.

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Sample Scenario PDF

PDF of previously published Appendix D sample scenarios, matching the scenarios published in 2023 and 2024.

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Condition and Quality Rating Definitions PDF

PDF of previously published definitions of Condition and Quality Ratings from Appendix F-1: URAR Reference Guide.

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Partner Playbook

Designed to help industry partners prepare for the UAD 3.6 and Forms Redesign.

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UAD 3.6 Documentation

The following UAD 3.6 resources provide the actionable documentation needed to translate the data entered on the report into the format required for submission via the UCDP. See below for legacy UAD resources.

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.

Appendix C-1: URAR Layout

This zip file contains the URAR with Report Field IDs document and the URAR without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality.

Appendix D-1: URAR Sample Scenarios and XML Files

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.

UAD 3.6 Subschema Zip File

The UAD documentation leverages the MISMO Version 3.6. The GSEs have created a Subschema that contains only the data elements needed to support the UAD 3.6 specification and includes additional enforcement.

 

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