Freddie Mac Single-Family Seller/Servicer Guide 6302.26 — Special delivery requirements for fixed-rate

Freddie Mac Single-Family Seller/Servicer Guide 6302.26 — Special delivery requirements for fixed-rate

Mortgages sold through Cash-Released XChange® (11/05/25) ■ General requirements ■ Data delivery instructions (a) General requirements For information on selling fixed-rate Mortgages through Cash-Released XChange® under the Cash program, see Section 6101.5. For a list of fixed-rate Mortgages eligible for sale under Mandatory Cash Contracts and Best Efforts Contracts through Cash-Released XChange, see the Loan Selling Advisor® Availability Matrix at https://sf.freddiemac.com/docs/pdf/factsheet/available_products.pdf. (b) Data delivery instructions (i) Mortgages with Funding Dates no more than 10 days past the DDLPI, when the DDLPI and the Funding Date are in the same month For Mortgages sold through Cash-Released XChange when the Funding Date is no more than 10 days past the DDLPI and when the DDLPI and the Funding Date are in the same month, the Seller must deliver the following ULDD Data Points: Data Required for Mortgages with Funding Dates No More than 10 Days Past the DDLPI, When the DDLPI and the Funding Date are in the Same Month Sort ID ULDD Data Point Valid Value Notes LOAN – Current → Payment Details 385 Loan Acquisition Scheduled UPB Amount Enter the scheduled UPB of the Mortgage as of the Funding Date. The scheduled UPB must include reductions for: ■ The principal due in the Funding Date month (even if not collected) and all prior months ■ The principal portion of any advanced (prepaid) installments received prior to the Funding Date Data Required for Mortgages with Funding Dates No More than 10 Days Past the DDLPI, When the DDLPI and the Funding Date are in the Same Month Sort ID ULDD Data Point Valid Value Notes ■ Any partial prepayments (curtailments) received on or before the Delivery Date 440 Last Paid Installment Due Date For newly originated Mortgages with respect to which the first payment due date has not yet occurred, enter the date through which interest has been paid in the month of funding. For Mortgages for which there has been an advanced (prepaid) installment of interest, enter the date through which advanced (prepaid) installments of interest have been made. For all other Mortgages, enter the date of the Borrower’s last paid installment. The related Glossary term is DDLPI. (ii) Mortgages with Funding Dates more than 10 days after the DDLPI, when the DDLPI and the Funding Date are in the same month For Mortgages sold through Cash-Released XChange when the Funding Date is more than 10 days after the DDLPI, and when the DDLPI and the Funding Date are in the same month, the Seller must deliver the following ULDD Data Points: Data Required for Mortgages with Funding Dates More than 10 Days after the DDLPI, When the DDLPI and the Funding Date are in the Same Month Sort ID ULDD Data Point Valid Value Notes LOAN – Current → Payment Details 385 Loan Acquisition Scheduled UPB Amount The scheduled UPB must include reductions for: ■ The principal due in the month after the Funding Date, the principal due in the month of settlement (even if not collected) and all prior months ■ The principal portion of any advanced (prepaid) Data Required for Mortgages with Funding Dates More than 10 Days after the DDLPI, When the DDLPI and the Funding Date are in the Same Month Sort ID ULDD Data Point Valid Value Notes installments received prior to the Funding Date ■ Any partial prepayments (curtailments) received on or before the Delivery Date 440 Last Paid Installment Due Date For newly originated Mortgages with respect to which the first payment due date has not yet occurred, enter the date through which interest has been paid in the month of funding. For Mortgages for which there has been an advanced (prepaid) installment of interest, enter the date through which advanced (prepaid) installments of interest have been made. For all other Mortgages, enter the date of the Borrower’s last paid installment. The related Glossary term is DDLPI. (iii) Mortgages with Escrow accounts For Mortgages with Escrow accounts sold through Cash-Released XChange, the Seller must deliver the following ULDD Data Points: Data Required for Mortgages with Escrow Accounts, Sold through Cash-Released XChange Sort ID ULDD Data Point Valid Value Notes LOAN – Closing →Origination Details 234 Escrow Indicator True → Other Funds Collected at Closing Details 158 Other Funds Collected At Closing Type Escrow Funds 157 Other Funds Collected At Closing Amount Enter the total amount of all Escrow funds. LOAN – Current → Escrow Details 363 Escrow Balance Amount Enter the Escrow balance amount. Data Required for Mortgages with Escrow Accounts, Sold through Cash-Released XChange Sort ID ULDD Data Point Valid Value Notes 364/365 Escrow Item Type/ Escrow Item Type Other Description (In Loan Selling Advisor, this appears as “Escrow Item Type.”) ▪ Borough Property Tax ▪ City Property Tax ▪ County Property Tax ▪ District Property Tax ▪ Earthquake Insurance ▪ Flood Insurance ▪ Hazard Insurance ▪ Mortgage Insurance ▪ Other - Assessment Tax ▪ Other - City Bond Tax ▪ Other - Condominium Association Dues ▪ Other - Condominium Association Special Assessment ▪ Other - Construction Completion Funds ▪ Other - Cooperative Association Dues ▪ Other - Cooperative Association Special Assessment ▪ Other - County Bond Tax ▪ Other - Credit Disability Insurance ▪ Other - Credit Life Insurance ▪ Other - Credit Property Insurance ▪ Other - Credit Unemployment Insurance ▪ Other - Debt Cancelation Insurance Enter the applicable valid value for each insurance or tax to be paid from Escrow. Data Required for Mortgages with Escrow Accounts, Sold through Cash-Released XChange Sort ID ULDD Data Point Valid Value Notes ▪ Other - Debt Suspension Insurance ▪ Other - Energy Efficient Improvement Funds ▪ Other - Ground Rent ▪ Other - Hail Insurance Premium ▪ Other - Homeowners Association Dues ▪ Other - Homeowners Association Special Assessment ▪ Other - Homeowners Insurance ▪ Other - Leasehold ▪ Other - Parish Tax ▪ Other - Property Tax ▪ Other - Rehabilitation Funds ▪ Other - Volcano Insurance ▪ Other Tax ▪ Pest Insurance ▪ School Property Tax ▪ State Property Tax ▪ Storm Insurance ▪ Town Property Tax ▪ Township Property Tax ▪ Village Property Tax ▪ Windstorm Insurance 366 Escrow Monthly Payment Amount Enter the amount for the associated Escrow item type. (iv) Mortgages with temporary subsidy buydowns For Mortgages with temporary subsidy buydowns sold through Cash-Released XChange, the Seller must deliver the following ULDD Data Points: Data Required for Temporary Subsidy Buydown Mortgages Sold through Cash-Released XChange Sort ID ULDD Data Point Valid Value Notes LOAN – Closing → Other Funds Collected at Closing Details 158/159 Other Funds Collected At Closing Type/ Other Funds Collected At Closing Type Other Description (In Loan Selling Advisor, this appears as “Other Funds Collected At Closing Type.”) Other – Buydown 157 Other Funds Collected At Closing Amount Enter the amount provided to subsidize the Borrower’s interest rate on the Mortgage for the remaining time during which the lower interest rate applies. (v) Underwriting information With respect to the credit underwriting of Mortgages that are sold through Cash-Released XChange, the Seller must deliver the following ULDD Data Points regardless of whether the Mortgage is a Loan Product Advisor® Mortgage or a Manually Underwritten Mortgage: Cash-Released XChange Underwriting Data Requirements Sort ID ULDD Data Point Valid Value Notes LOAN – Closing → Loan Level Credit Details 251 Loan Level Credit Score Value The related Glossary term is Indicator Score. Enter if the Indicator Score exists. 249 Loan Level Credit Score Selection Method Type ▪ Average Then Average ▪ Middle Or Lower Then Average ▪ Middle Or Lower Then Lowest Enter if the Indicator Score exists. Cash-Released XChange Underwriting Data Requirements Sort ID ULDD Data Point Valid Value Notes 247 Credit Score Impairment Type ▪ Insufficient Credit History ▪ Significant Errors Score Enter if the Indicator Score does not exist or is not usable.

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