08/15/2026
🏡 APPRAISALS ARE CHANGING
Real estate agents: Better preparation will be essential to avoiding delays.
Fannie Mae UAD 3.6
WHAT IS UAD 3.6?
Fannie Mae’s new appraisal format provides a more comprehensive and standardized description of the property.
It is available now and becomes mandatory for new appraisal reports submitted to UCDP beginning November 2, 2026.
WHAT WILL CHANGE?
The familiar numbered appraisal forms—such as the 1004, 1073 and 1025—will be replaced by one dynamic Uniform Residential Appraisal Report.
The report will expand based on the property’s features and complexity.
MORE PROPERTY DETAILS
Appraisers will provide more detailed information about:
• Every dwelling and unit
• ADUs
• Garages and carports
• Outbuildings
• Interior and exterior condition
• Kitchens and bathrooms
• Amenities and improvements
MORE DETAILED REPORTING
The appraisal may also include more information about:
• Room counts and square footage
• Solar and energy-efficient features
• Disaster-mitigation features
• Additions and conversions
• Defects and deferred maintenance
• Required and conditionally required photographs
ACCESS IS CRITICAL
Make sure the appraiser can access:
🔑 Every unit
🔑 Every room
🔑 The garage
🔑 The ADU
🔑 Outbuildings
🔑 Gated or locked areas
Limited access may cause return trips, additional fees and closing delays.
PROVIDE INFORMATION UPFRONT
Have the following available when applicable:
📋 List of upgrades and completion dates
📄 Permits and building plans
☀️ Solar information
🏠 ADU or conversion details
🛠️ Known repairs or incomplete work
📞 Accurate access and tenant instructions
WHY IT MATTERS
Missing information or restricted access could result in:
⚠️ Additional questions
⚠️ Appraisal revisions
⚠️ Reinspection fees
⚠️ Longer turnaround times
⚠️ Closing delays
THE TAKEAWAY
The new format does not automatically create more repair requirements.
However, it does require appraisers to document properties more thoroughly.
Preparation before the appraisal will be more important than ever.
