source:
  type: guide
  id: va-m26-7-ch11-t07
  authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 11, Topic 7 — Uniform
  description: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 11, Topic 7 — Uniform.
  coverage_tier: operative
obligations:
- id: va-m26-7-ch11-t07-full
  canonical_id: va-m26-7-ch11-t07-full
  section: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 11, Topic 7 — Uniform
  type: do
  tags:
  - regulator-direct
  - va
  - va-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 11, Topic 7 — Uniform
    source_class: va-handbook
    source_url: https://www.benefits.va.gov/warms/pam26_7.asp
    snapshot_id: faa7d8c84a0580f3
    fetched_at: '2026-05-23T01:53:53Z'
    content_hash: sha256:960cb068c0b142cd1bb4a0e38f29c6c5b725d24095781b92c663a83e9fd36263
    paragraph_quote: '7. Uniform Appraisal Dataset (UAD) • UAD Property Condition
      and Quality Rating Definitions • UAD Property Description Abbreviations (see
      Topic 13 of this chapter) Continued on next page VA Pamphlet 26-7, Revised Chapter
      11: Appraisal Report 11-7 3. Appraisal Report Contents, continued c. Appraisal
      Report Contents, continued 8. Appraiser’s certifications • Required by state
      law • Related to continuing education or membership in professional appraisal
      organizations • Additional certifications may be made on a separate form or
      page, provided they do not conflict with the language on the Statement of Assumptions
      and Limiting Conditions, any preprinted language on the appraisal form, or VA
      appraisal requirements 9. Liquidation appraisal addendum • Required on liquidation
      appraisals only (see Topic 20 of this chapter) VA Pamphlet 26-7, Revised Chapter
      11: Appraisal Report 11-8 4. Gross Living Area Change Date February 22, 2019
      • This Chapter has been revised in its entirety. a. Definition Gross living
      area (GLA) refers to the square footage of the area that is finished, habitable,
      contiguous, above-grade, residential space calculated by measuring the outside
      walls of the structure. b. Non- Contiguous Areas The functional utility and
      contributory value of any non-contiguous areas should be considered by the appraiser
      and listed separately from the GLA on the market data grid. c. Basements Basements,
      whether or not finished, must not be included in the GLA. d. Attics Finished
      attics may be included in the GLA. e. Below-Grade Areas If any part of a finished
      level is below grade, the appraiser must determine whether it should be considered
      GLA or valued separately. If the appraiser determines that a partially below-grade
      habitable space is similar to the GLA in design, quality of construction, and
      appeal, has full utility and is accepted in the market, the appraiser may include
      the area in the GLA. If the partially below-grade space is inferior to the rest
      of the property and not accepted in the market, the appraiser may determine
      that the area is not part of the GLA. In cases such as these, the contributory
      value of partially below- grade space should be considered separately on the
      market data grid. VA Pamphlet 26-7, Revised Chapter 11: Appraisal Report 11-9'
  judgment: false
