UAD 3.6: What Real Estate Agents Need to Know

By Kelsey Lenten · Updated October 27, 2026

UAD 3.6 is the redesigned Uniform Appraisal Dataset used in the Fannie Mae and Freddie Mac appraisal-reporting process. The redesign replaces the legacy forms with a more flexible, data-driven report. For agents, the practical job is to provide clear property information and confirm the lender's process.

What is happening on November 2?

Freddie Mac states that new appraisal report submissions to the Uniform Collateral Data Portal must use UAD 3.6 beginning November 2, 2026. A policy-exception process is available for eligible lenders. Do not assume every lender or transaction follows the same transition path.

Ask the lender: Which appraisal format applies to this transaction? Does an approved exception apply? What does that mean for ordering, revisions, and the closing timeline?

What should the listing agent prepare?

• An accurate property description and access instructions

• A dated list of improvements, including scope and supporting records when available

• Permit and accessory-dwelling-unit information when relevant

• Solar ownership, financing, or lease details when applicable

• Known HOA information and documents requested through the lender

Provide factual information through the appropriate lender or appraisal-management channel. The appraiser independently develops the opinion of value; a checklist cannot guarantee a value or outcome.

Official sources: Fannie Mae UAD overview · Freddie Mac UCDP FAQ and exception guidance

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Kelsey Lenten | Edge Home Finance | NMLS #2542333. Company NMLS #891464. Equal Housing Opportunity.