UAD 3.6 series Part 1 of 7

The Signal / UAD 3.6 / October 17, 2026

One report for every propertyHow UAD 3.6 replaces 13 appraisal forms with six data points

Starting November 2, 2026, new appraisals delivered to Fannie Mae and Freddie Mac use the redesigned Uniform Residential Appraisal Report. Facts about the property decide its shape, its fields carry IDs, and 728 compliance rules check it before a reviewer opens it. This first part of a seven-part series covers the structure every later part relies on.

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By Hansel Dobbs, MNAA, CDEI · 17 minute read

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AI-generated illustration of a fictional streetResearch checked October 17, 20267 chapters

The redesigned URAR is required for new appraisal submissions to Fannie Mae and Freddie Mac from November 2, 2026. Lenders with an approved exception under Lender Letter LL-2026-08 can keep submitting UAD 2.6 reports through May 19, 2027.⁸ The new report replaces 13 legacy forms, and the report a reader sees depends on answers about the property rather than a form number chosen at the start.¹

This series is written for collateral risk teams, review appraisers and real estate professionals who already know the 1004. Part 1 covers the structure: which data decides the report’s shape, how the delivered file is built, which checks now run on data, and which questions still need a reviewer. Parts 2 to 7 each take one section of the report in depth.

Field numbers, rule counts and examples come from the GSE documents themselves, with page numbers in the source list. The house in the illustrations is fictional, and it appears in every part of the series.

01 / Thirteen formsWhat the URAR replaces

Thirteen legacy forms become one report

Appendix F-1, the GSEs’ 378-page reference guide to the new report, opens with the list of forms it replaces: the 1004 with its Desktop and Hybrid versions, the 1073 family and the 1075 for condominiums, the 2055 exterior-only report, the 1004C for manufactured homes, the 2090 and 2095 for cooperatives, the 1025 for two- to four-unit properties and the 1007 rent schedule. That is 13 Fannie Mae form numbers. Freddie Mac numbers 11 of them; the two cooperative forms never had one.¹

All 13 forms, with both GSE numbers

Legacy forms replaced by the URAR. Source: Appendix F-1 v1.4, p. 11.
Legacy form	Fannie Mae	Freddie Mac
Uniform Residential Appraisal Report	1004	70
Uniform Residential Appraisal Report (Desktop)	1004 Desktop	70D
Uniform Residential Appraisal Report (Hybrid)	1004 Hybrid	70H
Individual Condominium Unit Appraisal Report	1073	465
Individual Condominium Unit Appraisal Report (Desktop)	1073 Desktop	465D
Individual Condominium Unit Appraisal Report (Hybrid)	1073 Hybrid	465H
Exterior-Only Inspection Individual Condominium Unit Appraisal Report	1075	466
Exterior-Only Inspection Residential Appraisal Report	2055	2055
Manufactured Home Appraisal Report	1004C	70B
Individual Cooperative Interest Appraisal Report	2090	None
Exterior-Only Individual Cooperative Interest Appraisal Report	2095	None
Small Residential Income Property Appraisal Report	1025	72
Single Family Comparable Rent Schedule	1007	1000

The 1004D changes as well. Its update and completion functions become two separate reports, the Restricted Appraisal Update Report and the Completion Report. Each must use the same format as the original appraisal, because UCDP does not accept UAD 2.6 and UAD 3.6 under one Document File ID.⁷

BeforeThree forms, one designEach legacy form is a page of numbered boxes. The 1073 adds project fields; the 2055 condenses the improvements block.
The patternCopy a form, change its boxesAll three share the same neighborhood block layout and boilerplate. A new property type meant a new copy.
AfterOne report, one Summary pageThe URAR shows the same kind of facts as labeled rows. This is the GSEs’ SF1 sample, valued at $491,000 subject to repair.

Page 1 of legacy Fannie Mae Form 1073, Freddie Mac Form 465, a dense grid of numbered boxes with project fields for the condominium. — **Form 1073 / 465**Condominium unit

Page 1 of legacy Fannie Mae Form 1004, Freddie Mac Form 70, a dense grid of numbered boxes, checkboxes and free-text lines. — **Form 1004 / 70**Single-family

Page 1 of legacy Form 2055, the exterior-only inspection report, with the same numbered-box layout and a condensed improvements block. — **Form 2055**Exterior-only inspection

The Summary page of the GSE SF1 sample URAR: Opinion of Market Value $491,000, Market Value Condition Subject to Repair, Property Valuation Method Traditional Appraisal, and a Property Description block with labeled rows and checkboxes. — **URAR Summary**GSE sample SF1

Sources: legacy Forms 1004/70, 1073/465 and 2055, March 2005 editions, page 1 of each;⁶ URAR Summary from the GSE SF1 sample report, v1.4, p. 3.⁵

The SF1 Summary page carries an opinion of market value of $491,000, a Market Value Condition of Subject to Repair, a $489,000 contract price and the property description, each on its own labeled row. On the legacy 1004 the same facts were spread across numbered boxes on two pages.

The new report runs longerPage counts of the legacy Form 1004 and of five GSE sample reports. Each sample PDF includes a two-page cover sheet that the GSEs mark as outside the URAR.

Legacy Form 1004 / 70
6
Coop1 sample
20
SF1 sample
23
Condo1 sample
24
2- to 4-unit sample
31
MH1 sample
32

Sources: Form 1004/70, March 2005;⁶ Appendix D-1 sample reports, v1.4.⁵ Length follows the property: the cooperative sample is the shortest and the manufactured home sample the longest.

Data table

Report length in pages
Report	Pages
Legacy Form 1004 / 70	6
Coop1 sample	20
SF1 sample	23
Condo1 sample	24
2- to 4-unit sample	31
MH1 sample	32

02 / Six fieldsWhat decides the report’s shape

Six data points decide what the rest of the report looks like

The GSEs’ job aid on the change puts the rule in one sentence: “With the new URAR, the data that describes the subject property drives the appraisal report, not a form type/number.”² It names six data points. Each has a MISMO unique identifier (UID) and a Report Field ID on the Summary page, and the Summary copies each one from an earlier section of the report.^1,2

The six data points that replace the form number
Data point	UID	Summary field	Copied from
Property Valuation Method	1000.0158	1.010	Assignment Information 2.004
Construction Method	0300.0034	1.012	Dwelling Exterior 8.011
Subject Site Owned in Common	0100.0047	1.020	Subject Property 3.015
Project Legal Structure	2500.0168	1.016 to 1.018	Subject Property 3.011 to 3.013
Units Excluding ADUs	0100.0022	1.021	Subject Property 3.005
Accessory Dwelling Units	0100.0019	1.022	Subject Property 3.006

Sources: Functioning without Form Numbers, v1.1, pp. 4 to 5;² Appendix F-1 v1.4, pp. 27 to 30, Origin of Information column.¹

The job aid maps every legacy form to combinations of those six values. A 1073 is a Project Legal Structure of Condominium with the site owned in common. A 1004C is a Construction Method of Manufactured. A 1025 is two, three or four units excluding ADUs. The valuation method then picks the version: Traditional, Desktop, Hybrid or Exterior.²

The job aid’s full mapping table

Legacy forms and the six data point values that replace them. Source: Functioning without Form Numbers, v1.1, p. 5.
Legacy report	Fannie / Freddie numbers	Covers	Valuation method	Construction method	Site owned in common	Project legal structure	Units	ADUs
Uniform Residential Appraisal Report	1004, 1004 Desktop, 1004 Hybrid, 2055 Exterior 70, 70D, 70H, 2055	1-unit property, including in a PUD, with or without an ADU, detached condo	Traditional, Desktop, Hybrid, Exterior	Container, Modular, On-Frame Modular, Site Built, 3D Technology	Yes or No	None	1	0 or 1
Individual Condominium Unit Appraisal Report	1073, 1073 Desktop, 1073 Hybrid, 1075 Exterior 465, 465D, 465H, 466	Condominium unit, attached or detached	Traditional, Desktop, Hybrid, Exterior	Container, Modular, On-Frame Modular, Site Built, 3D Technology	Yes	Condominium	1	0 or 1
Individual Cooperative Interest Appraisal Report	2090, 2095 Exterior None	Cooperative unit, attached or detached	Traditional, Exterior	Container, Modular, On-Frame Modular, Site Built, 3D Technology	Yes	Cooperative	1	0 or 1
Manufactured Home Appraisal Report	1004C 70B	Manufactured home, including in a PUD, condominium project or cooperative	Traditional	Manufactured	Yes or No	Condominium or Cooperative	1	0 or 1
Small Residential Income Property Appraisal Report	1025 72	2- to 4-unit property, including a 2- or 3-unit with an ADU	Traditional	Container, Modular, On-Frame Modular, Site Built, 3D Technology	Yes or No	Condominium or Cooperative	2, 3 or 4	0 or 1

The same job aid lists properties that never had a clean legacy form, and presents the dynamic report as the way to carry them:²

Properties with more than one ADU
Site condominiums
A manufactured home with more than one unit
A manufactured home with an additional construction method
A manufactured home in a condominium or cooperative
Hybrid valuation, independent of property type
Desktop valuation, independent of property type
Condops

Field lift: the GSE SF1 sample

The six fields, plus one checkbox, on SF1’s Summary page

SF1 Summary page with the property description rows highlighted: Property Valuation Method Traditional Appraisal, Construction Method Site Built, PUD Yes, Condominium, Cooperative and Condop No, Subject Site Owned in Common No, Units Excluding ADUs 1, Accessory Dwelling Units 0. — GSE sample SF1, Summary page, v1.4, p. 3.⁵

1.010Property Valuation MethodTraditional Appraisal
1.012Construction MethodSite Built
1.015Planned Unit DevelopmentYes
1.016 to 1.018Condominium, Cooperative, CondopNo, No, No
1.020Subject Site Owned in CommonNo
1.021Units Excluding ADUs1
1.022Accessory Dwelling Units0

SF1 shows that the six fields are not the whole rule. It is a detached single-family house, and its Summary reports Planned Unit Development: Yes. F-1 displays Section 18, Project Information, when a property is in a condominium, condop or cooperative project or in a PUD. SF1’s report therefore carries a Project Information section with a $34 monthly fee, on a file a reviewer might file under “single-family.”^1,5

F-1’s section table decides the rest. Of the 29 numbered sections, 17 always display. Section 9, Manufactured Home, displays when there is a manufactured home on the property. Unit Interior always displays and repeats for each unit and each ADU. The other ten conditional sections depend on facts the six fields do not hold: mitigation features, energy data, an outbuilding, an active sales contract, the valuation approaches the appraiser develops, revisions and supplements.¹

Property explorer

Pick a property and see which of the 29 sections it gets

Applies only the display rules on F-1 pages 11 and 12 that the six fields and the PUD checkbox can decide. Sections that depend on other facts stay hatched.^1,2

Legacy equivalentForm 1004 / 70

1.010Property Valuation Method: Traditional
1.012Construction Method: Site Built
1.020Subject Site Owned in Common: No
1.016 to 1.018Project Legal Structure: None
1.021Units Excluding ADUs: 1
1.022Accessory Dwelling Units: 0

01SummaryAlways displays. Always displays.
02Assignment InformationAlways displays. Always displays.
03Subject PropertyAlways displays. Always displays.
04SiteAlways displays. Always displays.
05Disaster MitigationWhen there are disaster mitigation features. Decided by facts outside the six fields.
06Energy Efficient and Green FeaturesWhen there are known renewable energy components, building certifications or efficiency ratings. Decided by facts outside the six fields.
07SketchAlways displays. Always displays.
08Dwelling ExteriorAlways displays. Repeats per dwelling. Always displays.
09Manufactured HomeWhen there is a manufactured home on the property. Repeats per manufactured home. Decided by Construction Method.
10Unit InteriorAlways displays. Repeats per unit or ADU. Always displays.
11Functional ObsolescenceAlways displays. Always displays.
12OutbuildingWhen there is an outbuilding on the property. Repeats per outbuilding. Decided by facts outside the six fields.
13Vehicle StorageAlways displays. Always displays.
14Subject Property AmenitiesAlways displays. Always displays.
15Overall Quality and ConditionAlways displays. Always displays.
16Highest and Best UseAlways displays. Always displays.
17MarketAlways displays. Always displays.
18Project InformationWhen the property is in a project (condominium, condop, cooperative) or in a PUD. Decided by Project Legal Structure or PUD.
19Subject Listing InformationAlways displays. Always displays.
20Sales ContractWhen there is an active sales contract. Decided by facts outside the six fields.
21Prior Sale and Transfer HistoryAlways displays. Always displays.
22Sales Comparison ApproachWhen applicable. Decided by facts outside the six fields.
23Rental InformationWhen applicable. Decided by facts outside the six fields.
24Income ApproachWhen applicable. Decided by facts outside the six fields.
25Cost ApproachWhen applicable. Decided by facts outside the six fields.
26ReconciliationAlways displays. Always displays.
27Revision HistoryWhen applicable. Decided by facts outside the six fields.
28Supplemental InformationWhen applicable. Decided by facts outside the six fields.
29Certifications and Scope of WorkAlways displays. Always displays.

Displays
Turned on or repeated by these answers
Does not display
Depends on other facts

17 sections always display. Sections 9 and 18 stay off for this property.

Section list as a table

When each URAR section displays. Source: Appendix F-1 v1.4, pp. 11 to 12.
#	Section	When it displays	Repeats
1	Summary	Always displays
2	Assignment Information	Always displays
3	Subject Property	Always displays
4	Site	Always displays
5	Disaster Mitigation	When there are disaster mitigation features
6	Energy Efficient and Green Features	When there are known renewable energy components, building certifications or efficiency ratings
7	Sketch	Always displays
8	Dwelling Exterior	Always displays	per dwelling
9	Manufactured Home	When there is a manufactured home on the property	per manufactured home
10	Unit Interior	Always displays	per unit or ADU
11	Functional Obsolescence	Always displays
12	Outbuilding	When there is an outbuilding on the property	per outbuilding
13	Vehicle Storage	Always displays
14	Subject Property Amenities	Always displays
15	Overall Quality and Condition	Always displays
16	Highest and Best Use	Always displays
17	Market	Always displays
18	Project Information	When the property is in a project (condominium, condop, cooperative) or in a PUD
19	Subject Listing Information	Always displays
20	Sales Contract	When there is an active sales contract
21	Prior Sale and Transfer History	Always displays
22	Sales Comparison Approach	When applicable
23	Rental Information	When applicable
24	Income Approach	When applicable
25	Cost Approach	When applicable
26	Reconciliation	Always displays
27	Revision History	When applicable
28	Supplemental Information	When applicable
29	Certifications and Scope of Work	Always displays

The same logic reaches individual fields. F-1’s example is Vehicle Storage: Report Field ID 13.003, labeled Detail, holds the driveway surface material when the storage type is a driveway, and the attachment type and area when it is a garage or carport.¹ A rule or a model that reads the report has to read the type first.

03 / Five shapesOne Summary page, five properties

The same Summary page for five kinds of property

The job aid shows the Summary page for four property types, and the GSE sample set adds a cooperative. The rows change with the answers. A condominium in a mid-rise building shows Structure Design and no Construction Method row, because F-1 does not display Construction Method for low-, mid- or high-rise structures. A cooperative shows its value as a cooperative interest.^1,2,5

Five shapesOne report format. Scroll to move along the street.
GSE sample SF1 · legacy 1004
Detached single-family
- Traditional Appraisal, Site Built, Detached
- PUD Yes, so Section 18 displays
- Units 1, ADUs 0
- Overall Q4 / C4, Subject to Repair
Job aid example 2 · legacy 1073
Condominium
- Hybrid Appraisal
- Structure Design: Mid-rise, no Construction Method row
- Condominium Yes, Site Owned in Common Yes
- Observed Project Deficiencies: Yes
GSE sample Coop1 · legacy 2090
Cooperative
- Value shown as $548,999 (Cooperative Interest)
- Structure Design: High-rise
- Cooperative Yes, Site Owned in Common Yes
- Observed Project Deficiencies: No
Job aid example 4 · legacy 1004C
Manufactured home
- Construction Method: Manufactured
- Detached, Units 1, ADUs 0
- Section 9 Manufactured Home displays
- Overall Q4 / C1
Job aid example 3 · legacy 1025
2 to 4 units
- Units Excluding ADUs: 2
- Site Built, Detached
- Unit Interior repeats once per unit
- Overall Q5 / C4 for the property
AI-generated illustrations of fictional buildings. The facts on each card come from the GSE job aid examples and sample reports, not from the pictures.

Summary page of the GSE Coop1 sample: Opinion of Market Value $548,999 (Cooperative Interest), Market Value Condition As Is, Structure Design High-rise, Cooperative Yes, Subject Site Owned in Common Yes, Observed Project Deficiencies No, with a photo of a high-rise building. — **The cooperative version.** The value carries the words Cooperative Interest (field 1.085, shown only for a cooperative or condop), Structure Design replaces Construction Method, and Observed Project Deficiencies appears. Source: GSE sample Coop1, v1.4, p. 3.^1,5

Wide view of the same street: the two-story house on its corner lot in front, a condominium building and a manufactured home farther down the road, a dry ridge behind. — Different property types on one street, appraised in one report format.AI-generated illustration

04 / The data fileWhat a delivery contains

One ZIP file holds the data, the report and the images

A UAD 3.6 appraisal is delivered as one ZIP file. Appendix B-1 sets its contents: a UAD 3.6 XML file in the MISMO 3.6 format, the appraisal report PDF and a folder of images, up to 60 MB per appraisal. The same packaging applies to Restricted Appraisal Update Reports and Completion Reports.⁴

appraisal.zip 60 MB maximum

XMLEvery reported field, as MISMO 3.6 data

PDFThe report a person reads, which must match the XML

Images/Photos, sketch and exhibits, each named once and referenced in the XML

One ZIP per appraisal, not to exceed 60 MB
Images are not embedded in the XML; the XML carries image metadata and a path
The report PDF is not embedded in the XML
The PDF must match the content of the XML
The PDF is first-generation (native), not password protected and not encrypted
The folder is named "Images", case sensitive
Every image has a unique file name and is referenced at least once in the XML

Packaging rules from Appendix B-1 URAR Implementation Guide v1.4, pp. 69 to 73.⁴

Those rules can be checked without GSE software. An operations team can open a delivery, confirm that every file in Images is referenced in the XML and that every referenced file exists, confirm the PDF opens without a password, and compare the PDF’s defect table with the XML’s DEFECT elements. None of the four checks requires a judgment about the property.

The XML records facts as typed values. The roof repair on SF1’s Summary page is this element, with its cost, its recommended action and the photo it points to:⁵

<DEFECT xlink:label="DEFECT_RoofDefect">
  <DEFECT_DETAIL>
    <DefectComponentLabelType>Roof</DefectComponentLabelType>
    <DefectItemAffectsSoundnessStructuralIntegrityIndicator>true</DefectItemAffectsSoundnessStructuralIntegrityIndicator>
    <DefectItemDescription>Roof is significantly worn and has damaged flashing,
      but no apparent active leaks.</DefectItemDescription>
    <DefectItemEstimatedCostToRepairAmount>1500</DefectItemEstimatedCostToRepairAmount>
    <DefectItemRecommendedActionType>Repair</DefectItemRecommendedActionType>
  </DEFECT_DETAIL>
  <IMAGES>
    <IMAGE>
      <ImageCaptionCommentDescription>Damaged Flashing</ImageCaptionCommentDescription>
      <ImageFileLocationIdentifier>\Images\SF1_RoofDefect.png</ImageFileLocationIdentifier>
    </IMAGE>
  </IMAGES>
</DEFECT>

SF1 sample XML, v1.4, trimmed. The DefectItemLocationType elements are omitted here.⁵

A view is a set of typed values too: a view type, its range and an impact on value or marketability. In SF1 the view is Residential, Full and Neutral.⁵ F-1 notes that Neutral “does not mean equal to other properties.” A subject and comparables with the same view can still differ in impact.¹

<SITE_VIEW>
  <ValueMarketabilityImpactType>Neutral</ValueMarketabilityImpactType>
  <ViewPrimaryIndicator>true</ViewPrimaryIndicator>
  <ViewRangeType>Full</ViewRangeType>
  <ViewType>Residential</ViewType>
</SITE_VIEW>

SF1 sample XML, v1.4.⁵

What the SF1 package weighsSizes of the three parts of the GSE SF1 sample, against the 60 MB limit.

Report PDF23 pages, including a 2-page cover sheet
1.3 MB
UAD 3.6 XMLAll reported data, about 149 KB
149 KB
Images folder25 files: photos, sketch, maps
2.7 MB

About 4.1 MB in total, roughly a fifteenth of the cap. Bars are scaled to 3 MB. Source: Appendix D-1 SF1 files.⁵

05 / What is checkableCollateral risk lens

728 rules run before a reviewer opens the file

Appendix H-1 lists the compliance rules UCDP applies to a UAD 3.6 report. Version 1.5, dated August 13, 2026, has 728 rules. A Fatal message sets the UCDP submission status to Not Successful. A Warning leaves a successful status in place and flags an issue that should be reviewed.³

728compliance rulesH-1 v1.5

592FatalSubmission status: Not Successful

136WarningSuccessful, flagged for review

Where the rules pointH-1 rules by the report section they apply to, Fatal and Warning. The largest group checks data that never displays on the report.

Not displayed on the report
101
Site
84
Sales Comparison Approach
82
Assignment Information
54
Unit Interior
52
Project Information
44
Subject Property
39
Dwelling Exterior
37
Manufactured Home
28
Market
22
All other sections, or none listed
185

Fatal
Warning

Source: Appendix H-1 v1.5, sheet “UAD Compliance Rules v1.5,” Report Section and Severity columns, counted by ValuSignal.³

Data table

H-1 rules by report section
Section	Fatal	Warning
Not displayed on the report	78	23
Site	66	18
Sales Comparison Approach	70	12
Assignment Information	41	13
Unit Interior	45	7
Project Information	41	3
Subject Property	37	2
Dwelling Exterior	28	9
Manufactured Home	19	9
Market	19	3
All other sections, or none listed	148	37

Three rules show the change for collateral review. Each turns a question a reviewer used to answer by reading into a test on two fields.

What became checkable
Rule	The review question	UAD 2.6 practice	UAD 3.6
UAD1459Fatal	How much did the appraiser rely on each comparable?	Inferred from adjustment totals and the reconciliation narrative	Comparable Weight is a required field on every comparable: Most, Less or No Weight³
UAD1624Fatal	Does the value condition agree with the defects?	A reviewer compared the condition narrative with the repair list by reading both	A Subject to Repair value needs at least one defect with Recommended Action of Repair³
UAD1685 to UAD1692Fatal	Which part of the property has the defect?	Named in text, if at all	When the report says a component has a defect, the XML needs a DEFECT linked by a MISMO RELATIONSHIP to that site, dwelling exterior, unit interior, outbuilding, vehicle storage or amenity³
No H-1 ruleLender screen	Does the commentary contradict the grid?	Found by reading	Weights are data, so a narrative claiming equal weight can be tested against them⁹

IF ValuationUseType = "SalesComparable"
   AND ComparableWeightType IS MISSING
THEN Fatal UAD1459

IF Market Value Condition = "Subject to Repair"
   AND NO DEFECT has Recommended Action = "Repair"
THEN Fatal UAD1624

IF SiteDefectsExistIndicator = true
   AND NO DEFECT is linked to the SITE
THEN Fatal UAD1690   (similar rules cover the other components,
                       UAD1685 to UAD1692)

IF reconciliation text says "weighted equally"
   AND Comparable Weight values differ
THEN lender flag   (no H-1 rule; modeled on Lessons Learned p. 14)

The rules in pseudo-logic. The first three paraphrase H-1 v1.5 rule logic; the last is a lender-built screen with no H-1 rule.^3,9

Portfolio screens the fields make possible

Weight concentration. Comparable Weight is now a field, so a portfolio can be screened for files where Most Weight falls on the comparable with the largest net adjustment. Part 6 covers the grid in detail.
Defect linkage by vendor. The relationship rules tell the appraiser to contact the software vendor for help, so their Fatal messages can be tracked by software platform, separately from appraiser judgment.³
Submission history. UCDP messages show whether a file reached Successful status on its first submission or after corrections, and that history can be tracked by vendor and by appraiser panel.

These are completeness and consistency checks on the appraiser’s own report. A lender that builds screens on them should route findings through its normal revision and reconsideration process, which our reconsideration of value feature describes, and keep them separate from any request about the value itself.

06 / Data lineageWhere Summary values come from

Every Summary value names the section it came from

F-1 describes the Summary as a quick reference that “is not a substitute for reading the entire appraisal,” and its field table gives each Summary field an Origin of Information column naming the section and field it is copied from.¹ The lineage is part of the specification, so a reviewer can trace a Summary value without reading the narrative to find it.

Summary field, and where the report defines itPoint at a row to follow it. Source: Appendix F-1 v1.4, pp. 26 to 30.

1.001Opinion of Market ValueReconciliation26.007
1.009Market Value ConditionReconciliation26.009
1.003Effective Date of AppraisalReconciliation26.011
1.004Assignment ReasonAssignment Information2.000
1.010Property Valuation MethodAssignment Information2.004
1.007Contract PriceSales Contract20.004
1.008Listing StatusSubject Listing Information19.002
1.012Construction MethodDwelling Exterior8.011
1.021Units Excluding ADUsSubject Property3.005
1.024Highest and best use is the present useHighest and Best Use16.004
1.030Overall QualityOverall Quality and Condition15.000

Two details matter for data teams. When a property has more than one dwelling or more than one construction method, every Construction Method value displays on the Summary. And because the Summary redisplays values from their origin fields, a wrong Summary value has to be corrected at its origin.¹

Enumerated answers replace free text in the same places. Assignment Reason (1.004) is one of 11 answers, copied from Assignment Information 2.000.¹ The legacy 1004 offered three Assignment Type checkboxes: Purchase Transaction, Refinance Transaction and Other.⁶

Legacy 1004 Assignment Type

Purchase Transaction
Refinance Transaction
Other (describe)

URAR Assignment Reason, 1.004

Construction
Deed in Lieu
Home Equity
Loan Modification
Portfolio Evaluation
Preforeclosure
Purchase
Refinance
REO
Short Sale
Other (Describe)

07 / Review checklistWhat still needs a reviewer

What the rules catch, and what still needs a reviewer

The H-1 rules confirm that answers exist and agree with each other. They do not confirm that an answer fits the property: a C4 rating on a C3 house, Most Weight on the weaker comparable, a view marked Neutral where buyers pay for it. Those calls moved from narrative into fields. The rules can test whether the fields are present and consistent; whether an answer is right still takes a reviewer or a model that knows the market.

The rule set is deterministic logic, not machine learning. It is the floor that later tools build on, since comparable selection aids and condition scoring models read the same structured fields the rules validate. Parts 2 to 7 take those fields section by section.

Six questions for any UAD 3.6 platform or vendor

0 of 6 checked

01Does the platform stop a report with no Comparable Weight (UAD1459), or only warn?
02Does it link each defect to its component (UAD1685 to UAD1692), or only record that a defect exists?
03Do Data Source and the MLS identifier reach your loan-level data feed as fields, or only as text in the PDF?
04Can a reviewer trace a Summary value to its origin field (for example 1.001 to 26.007) without reading the narrative?
05Does your QC screen read the six driving fields and the PUD flag before it flags a section as missing?
06Does the package pass the B-1 checks: one XML, a native PDF that matches it, and every image referenced?

Saved in this browser only.

The series house alone on its corner lot under an overcast sky, with the detached garage and the ridge behind. — One house, one record. Parts 2 to 7 take it section by section.AI-generated illustration

Research checked Oct. 17, 2026 against the GSE documents listed below. Rule counts were made by ValuSignal from Appendix H-1 v1.5. The illustrated house and street are fictional and were generated with Higgsfield; the form pages and Summary pages are screenshots of GSE publications. Lessons Learned examples are described in our words. General information, not legal, lending or appraisal advice.

Sources

9 documents, accessed Oct. 16 to 17, 2026

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Thirteen legacy forms become one report

Six data points decide what the rest of the report looks like

Pick a property and see which of the 29 sections it gets

The same Summary page for five kinds of property

Detached single-family

Condominium

Cooperative

Manufactured home

2 to 4 units

One ZIP file holds the data, the report and the images

728 rules run before a reviewer opens the file

Portfolio screens the fields make possible

Every Summary value names the section it came from

What the rules catch, and what still needs a reviewer

Six questions for any UAD 3.6 platform or vendor

Sources

Follow the UAD 3.6 series as each part publishes.

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