FORM UC-36 (REV. 09-2026)UCDP MANDATE: 2026-11-02
UADCHECKPre-submission inspection of UAD 3.6 packages

UAD1085

FATAL

Official message text · Appendix H-1: UAD Compliance Rules — URAR, v1.5

The number of living units cannot be 0 for any dwelling.

Fatal — a single unresolved Fatal makes the entire submission come back NOT SUCCESSFUL (UCDP Hard Stop 401).

What triggers UAD1085

The published rule logic, verbatim:

If ImprovementType = "Dwelling" and LivingUnitCount = 0 in a given instance of STRUCTURE_DETAIL

  • Checked for the Subject property.
  • Minimum allowed value: 1.
  • • Bound to MISMO data point LivingUnitCount at ../VALUATION_ANALYSIS/PROPERTIES/PROPERTY/IMPROVEMENTS/IMPROVEMENT/STRUCTURE/STRUCTURE_DETAIL/

How to fix it

On the URAR, this lives at: Dwelling Exterior → Subject Property Units in Structure. Complete or correct that field in your form software, regenerate the package, and re-check before submission.

Because this is a Fatal edit, do not submit until it is resolved — one Fatal bounces the whole package.

The free UADCheck inspection evaluates UAD1085 automatically — attach your package and see in seconds whether it fires.

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Related messages

Source: Appendix H-1: UAD Compliance Rules — URAR, v1.5 (public GSE document). Verified against the published spreadsheet; not affiliated with Fannie Mae or Freddie Mac.