UAD 3.6: The Complete Guide for Residential Appraisers (2026)
UAD 3.6 explained for working appraisers: the redesigned URAR, MISMO 3.6 XML, the 728 compliance rules, the November 2, 2026 mandate and how to get ready.
The Carat Journal
UAD 3.6 & the redesigned URAR
UAD 3.6 is mandatory for new submissions from November 2, 2026. The redesigned URAR replaces the 1004, 1073, 1025 and the rest with one dynamic report delivered as MISMO 3.6 XML. These guides walk residential appraisers through the dates, the form, the data and the compliance rules that decide whether a report goes through or comes back.
ANSI Z765 and GLA Under UAD 3.6: Measuring, Sketching and Below-Grade Space
How ANSI Z765 and GLA work under UAD 3.6: ceiling heights, below-grade rules, nonstandard finished area, the measurement standard field and your sketch.
UAD 3.6 Readiness Checklist: 20 Things to Do Before You Submit
A UAD 3.6 readiness checklist for appraisers: 20 practical steps covering clients, software, the zip package, compliance rules, sketches and your workfile.
The 728 UAD 3.6 Compliance Rules: Fatal vs. Warning, and the Ones That Bite
UAD 3.6 compliance rules explained: 728 rules in Appendix H-1, 592 Fatal and 136 Warning, how they work and which ones are most likely to stop your report.
UAD 3.6 Deadline: Every Date from November 2, 2026 to the UAD 2.6 Retirement
The UAD 3.6 deadline is November 2, 2026. Every date that follows, from the lender exception period to the UAD 2.6 retirement on June 28, 2027, explained.
MISMO 3.6 XML Explained for Appraisers (No Developer Required)
MISMO 3.6 XML explained in plain English for appraisers: what's in the UAD 3.6 file, how it relates to the PDF and images, and why the zip package matters.
The Redesigned URAR vs. the Form 1004: What Changed and Why
The redesigned URAR vs. the Form 1004, section by section: what moved, what's new, what's gone and why the GSEs rebuilt the appraisal report for UAD 3.6.
Goodbye 1004, 1073, 1025, 2055: How One Dynamic URAR Replaces the Old Forms
UAD 3.6 retires the 1004, 1073, 1025, 2055 and the other GSE appraisal forms. See how one dynamic URAR handles condos, 2–4 units and exterior-only work.