Big Changes Are Coming to Home Appraisals

Big changes are coming to home appraisals in 2026, and buyers and sellers should know about them.

Fannie Mae and Freddie Mac are transitioning to a completely new appraisal reporting system called UAD 3.6, with mandatory implementation beginning November 2, 2026.

This is not simply a new appraisal form. Appraisers will be collecting much more detailed information about homes, including individual room details, flooring and countertop materials, condition and quality, renovations, energy-efficient features, solar systems, accessory dwelling units, and more.

So what could this mean for you?

For sellers, detailed documentation of your home’s features, renovations, and improvements will become increasingly important. MLS listings will also likely require considerably more property information.

For buyers, appraisal timelines could lengthen during the transition, which may mean negotiating longer Due Diligence periods and allowing more flexibility on closing dates.

A longer Due Diligence period can also affect seller negotiations. If a home is tied up and effectively off the market for a longer period of time, sellers may seek a higher Due Diligence fee in exchange for giving buyers that additional time.

Appraisal costs may also increase as appraisers adjust to the additional data collection, technology, and reporting requirements.

The transition is already underway, so these changes could begin affecting transactions before the November deadline.

Real estate continues to evolve, and staying informed matters. My goal is always to understand the changes before they affect my clients so we can plan accordingly, structure offers thoughtfully, and avoid unnecessary surprises.

Thinking about buying or selling? I’m always happy to talk through what these changes could mean for you. Get in touch or call or text 919.619.1390.