UAD 3.6 Field Guide

The redesigned URAR (UAD 3.6) is organized in chapters in Fannie Mae and Freddie Mac's Appendix F-1: URAR Reference Guide. Pick a chapter to see what it covers, the form's own words for common everyday terms, questions to ask Chief Appraiser, and training videos.

Test yourself: 45 practice questionsAll UAD 3.6 videosOfficial UAD page (Fannie Mae)

Overview and Key Concepts · 159 videos
General reporting rules that apply across the whole form, including photos and images.
01 · Summary F-1 p.25
The one-page overview of the appraisal: the property, the value conclusion and the overall ratings.
02 · Assignment Information F-1 p.33 · 1 video
Who the appraisal is for and why: client, lender, intended use and user, effective date, property rights, and the valuation method.
03 · Subject Property F-1 p.46
Identifying the property: address, legal description, neighborhood name, ownership and occupancy.
04 · Site F-1 p.55 · 1 video
The land: site size, zoning, utilities, view, easements and encroachments, water frontage and other site influences.
05 · Disaster Mitigation F-1 p.85
Features that reduce risk from natural disasters.
06 · Energy Efficient and Green Features F-1 p.87 · 1 video
Solar and other energy-efficient or green features, including how they are owned or financed.
07 · Sketch F-1 p.91 · 29 videos
The floor plan sketch and the measurement standard used (ANSI).
08 · Dwelling Exterior F-1 p.92 · 1 video
The building itself: structure design and attachment, foundation, roof, exterior walls, year built, effective age, converted areas and apparent defects.
09 · Manufactured Home F-1 p.116 · 3 videos
Manufactured home details such as the HUD data plate, HUD label and width.
10 · Unit Interior F-1 p.125 · 2 videos
Inside the unit: rooms, bedrooms and bathrooms, above and below grade finished area, ceiling height and interior features.
11 · Functional Obsolescence F-1 p.148
Design or layout problems that reduce the property's utility.
12 · Outbuilding F-1 p.150 · 2 videos
Buildings other than the dwelling, such as a barn, shed, bunkhouse or standalone ADU.
13 · Vehicle Storage F-1 p.161 · 1 video
Garages, carports, driveways and other parking.
14 · Subject Property Amenities F-1 p.166
Amenities such as pools, spas, decks, patios, fireplaces, gazebos and outdoor kitchens.
15 · Overall Quality and Condition F-1 p.172 · 1 video
The overall quality (Q1-Q6) and condition (C1-C6) ratings. Rating definitions are in Appendix 2 (p.348).
16 · Highest and Best Use F-1 p.175
The highest and best use analysis.
17 · Market F-1 p.177 · 2 videos
The market area, market conditions and trends.
18 · Project Information F-1 p.182 · 1 video
Condominium, cooperative and PUD project details, HOA and special assessments.
19 · Subject Listing Information F-1 p.201 · 1 video
Whether and how the subject has been listed for sale.
20 · Sales Contract F-1 p.204
The purchase contract, contract price and seller concessions.
21 · Prior Sale and Transfer History F-1 p.207 · 1 video
Prior sales and transfers of the subject and the comparables.
22 · Sales Comparison Approach F-1 p.213 · 5 videos
Comparable sales, the adjustment grid and the sales comparison analysis.
23 · Rental Information F-1 p.280
Rent data, including 2-4 unit properties and ADU rents.
24 · Income Approach F-1 p.302 · 1 video
The income approach, including the gross rent multiplier.
25 · Cost Approach F-1 p.311
The cost approach: site value, cost new and depreciation.
26 · Reconciliation F-1 p.323
Reconciling the approaches into the final opinion of value.
27 · Revision History F-1 p.335
Recording revisions made to a delivered report.
28 · Supplemental Information F-1 p.338 · 1 video
Additional commentary and exhibits.
29 · Certifications and Scope of Work F-1 p.339
Certifications, scope of work, supervisory appraisers and significant real property appraisal assistance.

This guide describes the chapters in our own words and links to the official guide; it does not reproduce the guide. Answers to your questions come from Chief Appraiser's search, which quotes short, cited excerpts. Not legal or compliance advice; the official guide and your client's requirements control.