Beginning November 2, 2026, all new residential appraisal reports submitted to Fannie Mae and Freddie Mac must use the updated Uniform Appraisal Dataset, known as UAD 3.6.

The familiar appraisal forms will be replaced by one flexible report that gathers more detailed and standardized information about a property. This does not change the appraiser’s independent role or automatically change how value is determined. It does change how the property is documented and how the appraisal is reviewed by the lender.

REALTORS® should be prepared for a learning curve. Appraisers are adapting to new software, expanded data and photo requirements, and additional electronic compliance checks. Particularly during the transition, appraisals may take longer and appraisers may request more information about improvements, accessory units, permits, energy features or differences between the property and public records.  Expect to see Appraisers transitioning to working from a tablet or computer in the field to address the many new changes, to streamline the process.

Accurate MLS information will be increasingly important. Listing agents can help by confirming property details and encouraging sellers to gather permits, surveys, floor plans, septic information and a list of major improvements. Buyer agents should discuss realistic appraisal and financing deadlines with lenders, especially for transactions taking place near the November deadline.

A little preparation, communication and patience may help prevent this industry-wide transition from becoming an unexpected closing problem for clients.

Review the UAD 3.6 technical details and implementation resources.