UAD 3.6 Deadline FAQ: What Changes on November 2, 2026

UAD 3.6 becomes mandatory on November 2, 2026. From that date, Fannie Mae and Freddie Mac accept only UAD 3.6 appraisals for new submissions to UCDP. Revisions to UAD 2.6 reports first submitted before that date are accepted until May 3, 2027. Broad production has been open to all lenders since January 26, 2026.

Checklists, key dates, and downloadable guides are on the UAD 3.6 readiness hub. The answers below follow the published Fannie Mae and Freddie Mac rules.

When does UAD 3.6 become mandatory?

UAD 3.6 is mandatory for all new appraisal reports submitted to the Uniform Collateral Data Portal (UCDP) on or after November 2, 2026. Freddie Mac states that the mandate is based on the initial UCDP submission date of each report, not the loan application date or the appraisal effective date. A UAD 2.6 report first submitted on or after November 2 receives a Fatal message and a Not Successful status.

The GSE UAD redesign timeline (PDF) gives an example. A UAD 2.6 appraisal ordered on October 1, 2026 and first submitted to UCDP on November 5, 2026 is not successful. The same appraisal submitted on November 1 and revised on November 5 is successful. Source for the rule: Freddie Mac UAD 3.6 FAQ, “How will the UAD 3.6 mandate be enforced?”

What happens to UAD 2.6 reports after November 2, 2026?

A UAD 2.6 report first submitted to UCDP on or before November 1, 2026 can still be revised in UAD 2.6. Revisions go to the existing Doc File ID and are accepted until May 3, 2027, when the UAD 2.6 pipeline is retired. A UAD 2.6 appraisal that was not submitted before November 2 must be converted to UAD 3.6.

The May 3, 2027 retirement applies to UCDP submissions. Freddie Mac confirms that a loan with a UAD 2.6 appraisal can still be sold to the GSEs after that date, subject to the normal appraisal age limits.

Does UAD 3.6 apply to FHA, VA, and USDA loans?

The November 2, 2026 mandate covers appraisals submitted to UCDP for loans sold to Fannie Mae and Freddie Mac. The GSEs built FHA, VA, and USDA requirements into the UAD 3.6 dataset and tell lenders to contact each agency for its implementation plan. FHA is moving its Electronic Appraisal Delivery (EAD) portal to UAD 3.6 but had not published its own mandatory date as of September 29, 2026.

See the HUD Electronic Appraisal Delivery page for FHA updates.

Does UAD 3.6 apply to AMCs?

Yes. The mandate applies to the appraisal report, so it applies to every AMC that delivers appraisals for loans sold to Fannie Mae or Freddie Mac. The AMC's platform, the form software its appraisers use, and its delivery to the lender all need to handle UAD 3.6.

See how Connexions supports appraisal management companies.

What systems must support UAD 3.6?

Four parts of the workflow must support UAD 3.6: the appraisal management software that orders and delivers the report, the form software appraisers use to complete it, the UCDP and EAD integrations that submit the ZIP package, and any QC tools that read the appraisal data. If one of them is not ready, the report cannot be submitted, even when the others are.

Connexions runs QC review on UAD 3.6 data before submission.

What happens if a UAD 3.6 submission fails UCDP validation?

UCDP returns its findings on a Submission Summary Report (SSR). A Fatal message marks the submission Not Successful, and the appraisal cannot be used to deliver the loan until the data is corrected and the report is resubmitted. Under UAD 3.6, the SSR is returned as a PDF and as JSON.

A correction usually means a return trip to the appraiser, which adds time before closing. Catching data errors before submission is faster than fixing them after a Fatal message.

Can lenders run UAD 2.6 and UAD 3.6 orders at the same time?

Yes. Through November 1, 2026, UCDP accepts both UAD 2.6 and UAD 3.6 submissions. From November 2, 2026 until May 3, 2027, lenders still revise UAD 2.6 reports that were submitted earlier while every new report uses UAD 3.6. The appraisal platform has to handle both versions in the same pipeline during that period.

Connexions accepts UAD 3.6 and UAD 2.6 orders side by side. See Connexions for lenders.

How do I verify a vendor is UAD 3.6 ready?

Ask each vendor for three things in writing: the date it went live on UAD 3.6, a successful UAD 3.6 test submission to UCDP, and how its platform handles UAD 2.6 revisions until May 3, 2027. Then check the GSE vendor lists: the Fannie Mae Integrated Vendor List and the Freddie Mac Software Providers List.

Connexions Software appears on the Fannie Mae Integrated Vendor List for UCDP UAD 3.6 and on the Freddie Mac Software Providers List.

Where should I start?

Start with the UAD 3.6 readiness hub, which has the full checklist, the key dates, and the guides for lenders, AMCs, and appraisers. For a side-by-side view of what changed, read UAD 2.6 vs UAD 3.6: What Changes for Lenders and AMCs. Appraisers can start with UAD 3.6 appraiser readiness.

Download the UAD 3.6 Lender and Partner Readiness Guide (PDF)

To see how Connexions handles UAD 3.6 and UAD 2.6 orders, book a 15-minute demo.

Sources: Fannie Mae Uniform Appraisal Dataset, Freddie Mac UAD redesign timeline (PDF), Freddie Mac UAD 3.6 FAQ.