The move to UAD 3.6 hasn't happened overnight — it has rolled out in deliberate stages so lenders and appraisers can update their systems. Here is the full timeline, and the one date that matters most.
The UAD 3.6 rollout, stage by stage
| Date | Stage | What it means |
|---|---|---|
| September 8, 2025 | Limited Production | A small group of approved lenders began submitting UAD 3.6 reports to test systems and workflows. |
| January 26, 2026 | Broad Production | All lenders may submit using either UAD 2.6 or UAD 3.6. Both formats are valid — you may see either one, deal to deal. |
| November 2, 2026 | Mandatory | Every new appraisal on a Fannie Mae or Freddie Mac loan must use UAD 3.6. Legacy forms can no longer be submitted for new appraisals. |
| May 3, 2027 | Legacy retired | The window for revising older UAD 2.6 appraisals closes, and the old format fully retires. |
What the timeline means for you
Because we are currently in the Broad Production window, both formats are in use. As a homeowner, you don't choose the format — your lender and appraiser do — but you can prepare for the direction everything is heading: more data fields, more detail, and more weight on what can actually be verified about your home.
What is not changing
None of these dates change how your home is valued. Fannie Mae and Freddie Mac have been explicit that UAD 3.6 changes how a home's data is collected, structured, and reported — not the value itself. What changes is how much detail is on the table, and how much a well-documented home stands out.
Get ahead of it
The homeowners who benefit most from the transition are the ones who don't wait for it. Documenting your home's systems, upgrades, and permits now — with the proof attached — means that whenever your next appraisal lands, in whichever format, your home's story is ready. That is what MyHomeFile is built to hold.