Does the cutoff apply to orders placed before it?

It applies to the first UCDP submission. An appraisal ordered before the cutoff that first submits after it must be 3.6. Order in 3.6 for anything that could submit close to it.

What happens to a new 2.6 report submitted after the cutoff?

UCDP returns a Not Successful status. Freddie Mac still accepts resubmissions of existing 2.6 reports through June 27, 2027.

Do we have to switch all at once?

No. Turn 3.6 on by product, state or channel and run both standards side by side through the transition.

Our AMCs say they are ready. How do we know?

Ask for live 3.6 reports they have delivered to UCDP and the acceptance rate. On Dwelling Blocks you see it per vendor.

What about construction loans and appraisal transfers?

The GSEs published additional FAQs in August covering construction loans and transfers during the transition. We follow them, and we will walk your team through the cases that apply to you.

UAD 3.6 is replacing 2.6. Here is where you stand.

The redesigned URAR replaces every legacy appraisal form with one dynamic report built on structured data. For lenders it is the largest change to collateral since 2011, and it lands in the middle of a live pipeline. This page covers what changes, what Dwelling Blocks already handles, and how to get there before 2.6 retires if your current platform is not ready.

Book a 3.6 review Live before 2.6 retires

Key dates · Fannie Mae and Freddie Mac

The move to 3.6 is under way.

Nov 2, 2026: 3.6 becomes the standard; 2.6 continues under the GSE policy exception
Mar 1, 2027: Freddie Mac: 2.6 reports lose appraised value rep and warrant relief
May 19, 2027: Last day for new 2.6 reports
Jun 27, 2027: Freddie Mac: last day for 2.6 resubmissions

What changes

UAD 3.6 is replacing 2.6 for every appraisal submitted to UCDP. Fannie Mae and Freddie Mac are giving lenders that need more time a temporary policy exception, so new 2.6 reports are accepted through May 19, 2027 while the lender moves to 3.6.
The date that counts is the initial UCDP submission, not the order date. An appraisal ordered shortly before 2.6 retires, with a normal turn time, can land on the wrong side of the line.
On Freddie Mac loans, a 2.6 report submitted from March 1, 2027 gets a collateral risk score of 99 and no appraised value rep and warrant relief. Moving before March avoids that.
Freddie Mac accepts resubmissions of existing 2.6 reports through June 27, 2027. From June 28, 2.6 is retired entirely.
The 1004, 1073, 2055, 1025, 1004D and the other legacy forms are retired. In their place is one URAR whose sections change with the property type and the assignment, plus a Completion Report and a Restricted Appraisal Update Report. The data is structured, the abbreviations are gone, and delivery is a package (XML, PDF and images), not a single PDF.
UCDP has been returning warning messages on 2.6 submissions since August 6, 2026.

Where Dwelling Blocks stands

Delivering 3.6 to UCDP since 2025 · UCDP Direct Integration approved · FHA through EAD

We have delivered UAD 3.6 reports to UCDP since 2025, through the Limited Production Period and into broad production, and to FHA through EAD.

We are approved for UCDP Direct Integration on 3.6. Submissions go straight from the platform to UCDP, and the response comes straight back onto the loan.

Ava reads the redesigned URAR as it is: the dynamic sections, the structured fields, the addenda and the photos. Your rules apply to the new report without a re-mapping project, and 3.6-specific checks are built in.

Appraisers on our network produce 3.6 in their own forms software. We validate the delivery package before submission so a bad file never reaches UCDP.

Each lender turns 3.6 on by product, state or channel, so you can run 2.6 and 3.6 side by side through the transition and see which loans are on which standard in analytics.

What a lender has to have in place

01Ordering: the platform can order the new URAR and route it to appraisers and AMCs who can produce it.handled today
02Panel: every appraiser and AMC you use has forms software verified for 3.6 and has delivered live reports.handled today
03Review: your QC rules and your reviewers work on the new report, not on form numbers that no longer exist.handled today
04Delivery: UCDP submissions in 3.6 over a direct integration, with the response back on the loan.handled today
05Pipeline: you know which loans will first submit after 2.6 retires, and you are ordering those in 3.6.handled today
06Revisions: a path for 2.6 orders and resubmissions until 2.6 retires.handled today
07Training: underwriters and processors can read the new report.we train your team

Dwelling Blocks handles the first six for you today. We train your team on the seventh.

Live before 2.6 retires

If your platform is not ready, or you do not trust that it will be, we can move you well before 2.6 retires. A migration has a fixed shape and we have run it at national scale. Panel import and AMC connections in week one, the LOS connection in week two, a parallel run on live orders in week three, cutover on a date you choose in week four.

Week 1

Panel import, AMC connections, user setup, rule sets moved into Ava.

Week 2

LOS integration or API connection. Orders created from the loan file.

Week 3

Parallel run on live orders alongside your current platform.

Week 4

Cutover on a date you choose, with your existing pipeline finishing where it started.

Your underwriters keep working in the LOS. Your appraisers keep getting paid. Nothing in your pipeline waits on us.

Four weeks is typical for a lender with one LOS and an existing panel. Larger migrations get a written plan before week one.

Questions we get from lender operations teams

Yes, from November 2, 2026. The lender requests it from Fannie Mae and Freddie Mac and commits to a plan to finish the move to 3.6. With it, new 2.6 reports are accepted through May 19, 2027.

See where your pipeline stands.

Thirty minutes, your current workflow on the screen, and a plain answer about whether you will be ready.

Book a 3.6 review How switching works

Dates on this page are from the Fannie Mae and Freddie Mac UAD 3.6 timeline and Freddie Mac Bulletin 2026-J: Limited Production September 8, 2025; Broad Production January 26, 2026; mandate November 2, 2026; policy exception for new 2.6 reports through May 19, 2027 and resubmissions through June 27, 2027.