source:
  type: guide
  id: hud-4000-1-ii-3-acceptable-reporting-forms-and-protocols
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — 3. Acceptable
    Reporting Forms and Protocols (04/10/2025)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part II — 3. Acceptable
    Reporting Forms and Protocols (04/10/2025).
  coverage_tier: operative
obligations:
- id: hud-4000-1-ii-3-acceptable-reporting-forms-and-protocols-full
  canonical_id: hud-4000-1-ii-3-acceptable-reporting-forms-and-protocols-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part II — 3. Acceptable
    Reporting Forms and Protocols (04/10/2025)
  type: do
  tags:
  - regulator-direct
  - fha
  - hud-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — 3. Acceptable
      Reporting Forms and Protocols (04/10/2025)
    source_class: hud-handbook
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-05-23T00:28:40Z'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: '3. Acceptable Reporting Forms and Protocols (04/10/2025) FHA
      only accepts appraisals in the Mortgage Information 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
      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) Handbook 4000.1 810 Last Revised: 11/26/2025 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.
      a. Application of Minimum Property Requirements and Minimum Property Standards
      by Construction Status (02/16/2021) i. Existing Construction (A) Definition
      Existing Construction refers to a Property that has been 100 percent complete
      for over one year or has been completed for less than one year and was previously
      occupied. (B) Standard For Existing Construction, the Appraiser must notify
      the Mortgagee of the deficiencies when the Property does not comply with HUD’s
      MPR. ii. New Construction (A) Definition New Construction refers to Proposed
      Construction, Properties Under Construction, and Properties Existing Less than
      One Year as defined below: • Proposed Construction refers to a Property where
      no concrete or permanent material has been placed. Digging of footing is not
      considered permanent. • Under Construction refers to the period from the first
      placement of permanent material to 100 percent completion with no Certificate
      of Occupancy (CO) or equivalent. 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) Handbook 4000.1 811
      Last Revised: 11/26/2025 • Existing Less than One Year refers to a Property
      that is 100 percent complete and has been completed less than one year from
      the date of the issuance of the CO or equivalent. The Property must have never
      been occupied. (B) Standard For New Construction, the Appraiser must notify
      the Mortgagee of the deficiencies when the Property does not comply with HUD’s
      MPR and MPS, including 24 CFR §§ 200.926a–200.926e. iii. Determination of Defective
      Conditions (A) Definition Defective Conditions refer to defective construction,
      evidence of continuing settlement, excessive dampness, leakage, decay, termites,
      environmental hazards or other conditions affecting the health and safety of
      occupants, collateral security or structural soundness of the dwelling. (B)
      Standard The Appraiser must identify readily observable defective conditions.
      Defective Conditions Requiring Repair The Appraiser must identify defective
      conditions that are curable and will make the Property comply with HUD’s MPR
      or MPS when cured, and provide an estimated cost to cure. iv. Inspection by
      a Qualified Individual or Entity If the Appraiser cannot determine that a Property
      meets HUD’s MPR or MPS, an inspection by a qualified individual or entity may
      be required. Conditions that require an inspection by qualified individuals
      or entities include: • standing water against the foundation and/or excessively
      damp basements; • hazardous materials on the site or within the improvements;
      • faulty or defective mechanical systems (electrical, plumbing or heating/cooling);
      • evidence of possible structural failure (e.g., settlement or bulging foundation
      wall, unsupported floor joists, cracked masonry walls or foundation); • evidence
      of possible pest infestation; • leaking or worn-out roofs; or • any other condition
      that in the professional judgment of the Appraiser warrants inspection. Appraisers
      may not recommend inspections only as a means of limiting liability. The reason
      or indication of a particular problem must be given when requiring an inspection.
      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) Handbook 4000.1 812 Last Revised: 11/26/2025 Required
      Analysis and Reporting The Appraiser must observe, analyze and report defective
      conditions and must also provide photographic documentation of those conditions
      in the appraisal report. If inspection is required, the Appraiser must cite
      the reason for requiring an inspection.'
  judgment: false
