What happens to a 2.6 report submitted after the mandate?

UCDP returns a Fatal message and the submission is Not Successful.

Can we still revise 2.6 reports?

Yes. Reports first submitted in 2.6 before November 2 can be revised in 2.6 through May 3, 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 mandatory on November 2. 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 the deadline if your current platform is not ready.

Book a 3.6 review Live before the mandate

UCDP mandate · November 2, 2026

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Aug 6, 2026: UCDP warnings on 2.6 submissions began
Nov 2, 2026: 2.6 first submissions receive Fatal · Not Successful
May 3, 2027: Last day for 2.6 revisions on pre-mandate reports

What changes on November 2

Every appraisal first submitted to UCDP on or after November 2, 2026 must be UAD 3.6. A 2.6 report submitted after that date receives a Fatal message and a Not Successful status.
The date that counts is the initial UCDP submission, not the order date. An appraisal ordered in mid-October with a normal turn time can land on the wrong side of the line.
Revisions to reports first submitted in 2.6 before the mandate stay in 2.6 and are accepted through May 3, 2027.
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.

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 November 2, and you are ordering those in 3.6 now.handled today
06Revisions: a path for 2.6 revisions through May 2027.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 the mandate

If your platform is not ready, or you do not trust that it will be, we can move you before November 2. 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

It applies to the first UCDP submission. An appraisal ordered before the mandate that first submits on or after November 2 must be 3.6. Order in 3.6 for anything that could submit after November 1.

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: Limited Production September 8, 2025; Broad Production January 26, 2026; mandate November 2, 2026; 2.6 revision period ends May 3, 2027.