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3. Acceptable Reporting Forms and Protocols (04/10/2025)
FHA only accepts appraisals in the Mortgage Industry Standards Maintenance Organization (MISMO) 2.6 with embedded PDF format, as created directly by the appraiser (first generation). FHA does not accept private or proprietary data formats or appraisal reports that have been manipulated or “translated” by anyone or any process.
Forms to be used in the completion of an FHA appraisal are as follows:
Property/Assignment Type Acceptable Reporting Form Single Family, Detached, Attached or Semi-Detached Residential Property (One-Unit Property or a One-Unit Property with a Single Accessory Dwelling Unit (ADU))
Fannie Mae Form 1004/Freddie Mac Form 70, Uniform Residential Appraisal Report (URAR)
Single Family Comparable Market Rent Analysis
Fannie Mae Form 1007/Freddie Mac Form 1000, Single Family Comparable Rent Schedule
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II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages
3. Acceptable Reporting Forms and Protocols (04/10/2025)
Property/Assignment Type Acceptable Reporting Form Single Unit Condominium Fannie Mae Form 1073/Freddie Mac Form 465, Individual Condominium Unit Appraisal Report Manufactured (HUD Code) Housing (One-Unit Property or a One-Unit Property with a Single ADU)
Fannie Mae Form 1004C/Freddie Mac Form 70B, Manufactured Home Appraisal Report
Small Residential Income Properties (Two- to Four-Units)
Fannie Mae Form 1025/Freddie Mac Form 72, Small Residential Income Property Appraisal Report Appraisal Update (All Property Types)
Summary Appraisal Update Report Section of Fannie Mae Form 1004D/Freddie Mac Form 442, Appraisal Update and/or Completion Report Certification of Completion Certification of Completion Section of Fannie Mae Form 1004D/Freddie Mac Form 442, Appraisal Update and/or Completion Report
Instructions for reporting the results of the appraisal, including data and file format and delivery, are found in the FHA Single Family Housing Appraisal Report and Data Delivery Guide.