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Uniform Appraisal Dataset

Temporary Policy Exception

The November 2, 2026 UAD 3.6 mandate is approaching and many lenders are submitting UAD 3.6 appraisal reports. However, if Sellers need more time, they can request and obtain a temporary policy exception. Read the announcement.

UAD 3.6 Mandate is Approaching. Are You Ready?

The UAD 3.6 mandate is November 2, 2026. If you haven’t already started your implementation, you need to start now. It’s going to take longer than you think to train staff, test and fully transition. Waiting until the last minute could create liquidity challenges and lead to unexpected headaches that can derail your efforts.

Access these resources for your implementation:

Learn Why You Need to Start Implementing

Watch our recorded webinar to see why it’s important you start implementing now and how to succeed.

What is UAD 3.6?

The UAD 3.6 and Forms Redesign is an initiative to update the dataset for appraisal reports submitted to the GSEs and align with the current industry-standard MISMO® Reference Model. It also involves replacing all existing GSE appraisal forms with a single flexible and dynamic report. The new report covers all property types, improves the review process and reduces revisions.

Join a Webinar

Already submitting UAD 3.6? Or just want tips and best practices for reviewing UAD 3.6 appraisal reports? Select a session. (For Freddie Mac Sellers and TPOs).

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What's New?

Additional Resources

Webinars and Training

Freddie Mac UAD Training Options
Feb 2025 Recorded Webinar: UAD 3.6 Lender Preparedness

Job Aids

General Resources

UAD Documentation

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

UAD 3.6 Subschema Zip File

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

Uniform Residential Appraisal Report

Appendix A-1: UAD URAR Delivery Specification

This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.

Appendix B-1: URAR Implementation Guide (iGuide)

This zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids, and provide guidance for creating the user interface.

Appendix C-1: URAR Layout

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

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 Style Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. 

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.

Appraisal Update

Appendix A-2: UAD Restricted Appraisal Update Report Delivery Specification

This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.

Appendix B-2: Restricted Appraisal Update Report Implementation Guide (iGuide)

This document assists software vendors with data mapping, field formats and the display logic for the PDF representation of the report.

Appendix C-2: Restricted Appraisal Update Report Layout

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

Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File

This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version.

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 - 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.

Completion Report

Appendix A-3: UAD Completion Report Delivery Specification

This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.

Appendix B-3: Completion Report Implementation Guide (iGuide)

This document assists software vendors with data mapping, field formats and the display logic for the PDF representation of the report.

Appendix C-3: Completion Report Layout

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

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 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.

Legacy Resources

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