UAD1228
WARNINGOfficial message text · Appendix H-1: UAD Compliance Rules — URAR, v1.5
The 'Depreciated Cost of Outbuildings' must be provided.
Warning — the submission can still come back Successful, but the finding is surfaced to your lender's review team.
What triggers UAD1228
The published rule logic, verbatim:
If CostApproachIndicator = "true" and DepreciatedCostOutbuildingsTotalAmount is not provided when there are one or more instances of IMPROVEMENT_DETAIL with ImprovementType = "Outbuilding" and OutbuildingRealPropertyIndicator = "true"
- • Bound to MISMO data point
DepreciatedCostOutbuildingsTotalAmountat../VALUATION_ANALYSIS/VALUATION_REPORT/APPROACH_TO_VALUE/COST_APPROACH/COST_APPROACH_DETAIL/
How to fix it
On the URAR, this lives at: Cost Approach → Indicated Value by Cost Approach → Depreciated Cost of Outbuildings. Complete or correct that field in your form software, regenerate the package, and re-check before submission.
UAD1228 is in UADCheck's reference library; automated coverage for it is on the roadmap. The inspection already runs the full GSE schema, the package-integrity layer, and every auto-checkable compliance rule — each report states exactly what was covered.
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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.