For appraisers & QC teams · UAD 3.6 · URAR
The knowledge hub for UAD 3.6.
Learn the new appraisal format, ask a grounded copilot, and validate your report — before UCDP. Practical guides, a plain-English glossary, all 728 compliance rules, and an AI that checks your actual file and cites every answer.
Grounded in the official spec · every answer cites its source · files processed in memory, never stored.
Explore the hub
Everything you need to understand UAD 3.6
728 compliance rules, searchable & explained
34 UAD 3.6 terms in plain English
13 practical walk-throughs
Answers by property type
The fatal edits that bounce a URAR at UCDP — with plain-English fixes. Grab the printable one-pager.
Real reports, not screenshots
Learn from the official sample reports
All 12 published URAR scenarios — with real values, characteristics, the delivered photos, and the actual report PDF. The clearest way to see how the new format actually looks.
This scenario is a traditional appraisal, of a detached site built home, appraised Subject To, with 3 sales comparables. It also features apparent defects or damage (Dwelling Exterior · Unit Interior).
This scenario is a hybrid appraisal, of a attached home, appraised As Is, with 4 · (Comp 4: Listing) sales comparables. It also features apparent defects or damage (Unit Interior · Subject Property Amenities).
This scenario is a traditional appraisal, of a detached manufactured home, appraised As Is, with 3 sales comparables. It also features apparent defects or damage (Outbuilding).
This scenario is a traditional appraisal, of a detached site built home, appraised As Is, with 3 sales comparables. It also features apparent defects or damage (Dwelling Exterior · Unit Interior).
The copilot
One place to learn it and check it
The copilot has read the entire hub. Ask anything about UAD 3.6 in plain language and get an answer that links its sources — or upload a report and it validates it against the schema and 728 rules, then tells you how to fix what it finds.
- Grounded in the hub — it cites, it doesn’t guess
- Use-type aware — subject vs. comparable rules, done right
- Ask, learn, and validate in a single chat
Provide the address line for the subject property.
Provide the ‘Opinion of Site Value’.
Why a hub
The new format is a lot — and UCDP is unforgiving.
UAD 3.6 replaces the familiar forms with one dynamic, data-first report and hundreds of conditional, context-sensitive rules. It’s easy to get wrong, and every Fatal edit sends the report back through the chain.
Context-sensitive rules
The same field can allow different values for the subject versus a comparable. The hub explains it; the copilot checks it.
Hidden conditional requirements
Use the cost approach and site value becomes required. Learn these chains here — before UCDP fires them back.
A brand-new vocabulary
MISMO, ValuationUseType, cardinality, subschema. The glossary puts every term in plain English.
How the check works
Three layers, mirroring what UCDP does
When you validate a report in the copilot, it runs the same class of checks the portal applies — deterministically, and before you submit.
Schema
Your report is checked against the GSE UAD 3.6 subschema — structure, containers, and allowed enumerations.
Conformance
Every data point is checked against the Delivery Specification: required/conditional fields, formats, and use-type-specific values.
Compliance
The published UAD Compliance Rules run — 728 completeness, validity, and reasonableness edits, tagged Fatal or Warning.
Coverage
Built from the official URAR sample use cases
The guides, rules, and validator all track the published sample scenarios — so the hub matches the assignments you actually take.
Single-family (detached)
5 scenariosThe most common assignment. Five sample scenarios cover cost approach, site value, ADUs, and varied condition ratings.
Condominium
2 scenariosAttached units in a condominium project. Project data, ownership interest, and unit-level improvements drive the requirements.
Cooperative (Co-op)
1 scenariosOwnership by shares rather than deed. The estate type and interest modeling differ meaningfully from condo and fee-simple work.
Manufactured housing (MH)
2 scenariosFactory-built dwellings with their own certification, cost-approach, and site-value requirements. Two scenarios illustrate both paths.
2–4 unit residential income
2 scenariosSmall residential income properties. Rent schedules, gross rent multipliers, and per-unit modeling come into play.
Privacy by design
Your report never touches our disk
Appraisal packages carry borrower PII, addresses, and an opinion of value. So when you validate one, it’s processed entirely in memory and discarded the moment your report is generated. Nothing is stored, shared, or used to train anything.
- In-memory processing — no file written to disk
- Discarded immediately after your report returns
- Self-hosted deployment available for stricter teams
Get comfortable with UAD 3.6.
Ask the copilot, browse the hub, or validate a report — free to start, no account required.
Or get UAD 3.6 updates and early access as the hub grows: