Yes! You can use AI to fill out Uniform Underwriting and Transmittal Summary (Fannie Mae Form 1008 / Freddie Mac Form 1077)
Don't type 138 fields by hand. Tell our AI about yourself, or upload a document you already have, and it fills every field in seconds. You check it, then download, print or sign.
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What this form asks for
The AI fills all of it, from your answers or your documents.
The AI checks your answers before you download
16 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.
Validates that one and only one of the three occupancy status options — Primary Residence, Second Home, or Investment Property — is checked. Occupancy status is a critical underwriting factor that affects loan eligibility, interest rates, down payment requirements, and mortgage insurance rules. If no option is selected or multiple options are checked simultaneously, the loan cannot be properly evaluated and must be returned for correction.
Validates that exactly one property type is selected from the available options: 1 unit, 2 units, 3 units, 4 units, Condominium, PUD, Co-op, or Manufactured Housing. The property type drives applicable guidelines, project classification requirements, and eligible loan programs. Selecting multiple conflicting property types or leaving the field blank renders the form incomplete and prevents accurate underwriting.
Validates that when Manufactured Housing is selected as the property type, either Single Wide or Multiwide is also checked to specify the manufactured home configuration. The distinction between single wide and multiwide affects appraisal requirements, eligible loan programs, and investor guidelines. If Manufactured Housing is selected but neither sub-type is indicated, the form is incomplete and cannot be processed.
Validates that the selected Project Classification (Freddie Mac or Fannie Mae) is logically consistent with the selected property type and loan type. For example, condominium-specific classifications (e.g., Full Review – New Condo Project, Limited Review – Established Condo Project) should only be selected when the property type is Condominium, and co-op classifications should only appear when Co-op is selected. Mismatches between property type and project classification indicate a data entry error that could result in incorrect review requirements being applied to the loan.
Validates that the LTV, CLTV/TLTV, and HCLTV/HTLTV percentages are internally consistent and correctly calculated relative to the loan amount, subordinate financing, and appraised value or sales price. The LTV should equal the loan amount divided by the lesser of the sales price or appraised value, and the CLTV/TLTV should be equal to or greater than the LTV when subordinate financing exists. Incorrect or inconsistent ratios can lead to improper risk assessment, incorrect mortgage insurance requirements, and potential investor repurchase demands.
Validates that the Total Borrower Monthly Income field equals the arithmetic sum of Borrower 1 through Borrower 4 income, Other Borrowers (5+) income, Rental Income from the subject property, and Net Rental Income from other properties. An incorrect total directly affects the qualifying ratios (housing expense ratio and DTI), which are central to the underwriting decision. Any discrepancy between the sum of individual income lines and the stated total must be corrected before the form can be approved.
And 10 more checks
- Ensures Total Proposed Monthly Payment Equals the Sum of All Payment Line Items
- Ensures Primary Housing Expense Ratio and DTI Are Mathematically Consistent With Income and Payment Data
- Ensures Broker/Correspondent Name and Company Are Provided When Broker or Correspondent Is Selected
- Ensures Temporary Buydown Terms Are Provided When Temporary Buydown Is Marked Yes
- Ensures AUS System Is Specified When AUS Is Selected as the Risk Assessment Method
- Ensures Loan Amount, Note Rate, and Loan Term Are All Populated and Within Reasonable Ranges
- Ensures Subordinate Financing Fields Are Consistent With Lien Position and CLTV
- Ensures Verified Assets Are Sufficient to Cover Required Funds to Close
- Ensures Contact Phone Number Is in a Valid Format
- Ensures Appraiser Name and License Number Are Both Present and Properly Formatted
Let AI fill out your Form 1008 / Form 1077
No typing. Every field filled in seconds, checked, ready to sign.
How to Fill Out Form 1008 / Form 1077 Online for Free in 2026
What the AI walks you through.
- Navigate to Instafill.ai, search for 'Fannie Mae Form 1008' or 'Freddie Mac Form 1077', and upload or select the Uniform Underwriting and Transmittal Summary form to begin filling it out online.
- Complete Section I by entering the borrower name, total number of borrowers, property address, occupancy status, sales price, appraised value, property type, project classification, property rights, and project name as applicable.
- Complete Section II by selecting the loan type, amortization type, loan purpose, and lien position, then enter the loan amount, note rate, loan term, mortgage originator details, subordinate financing amount, and temporary buydown information.
- Complete Section III by entering the underwriter's name, appraiser's name and license number, and appraisal company name, then fill in all stable monthly income figures, proposed monthly payment line items, loan-to-value ratios, qualifying ratios, level of property review, qualifying rate fields, escrow selection, borrower funds to close, and risk assessment/AUS findings including any underwriter comments.
- Complete Section IV by entering the seller name, seller address, seller number, seller loan number, contact name, contact title, contact phone number, and investor loan number.
- Review all entered information for accuracy and completeness, ensuring that all checkboxes reflect the correct loan characteristics and that all dollar amounts, percentages, and identification numbers are correct.
- Submit or download the completed form from Instafill.ai to include in the loan delivery package for Fannie Mae or Freddie Mac, retaining a copy for your records.
Common Mistakes in Completing Form 1008 / Form 1077
The ones the AI is built to catch.
Using a nickname or informal name instead of the full legal borrower name
Entering loan term in years instead of months
Mismatching or incorrectly calculating LTV, CLTV, and HCLTV ratios
Selecting the wrong project classification for condominiums or PUDs
Omitting or incorrectly reporting subordinate financing and HELOC details
Leaving the Broker/Correspondent Name field blank when Broker or Correspondent is selected
Failing to complete Temporary Buydown Terms when 'Yes' is selected
Incorrectly calculating or omitting the Total Proposed Monthly Payment
Entering the appraiser's name without including the license number
Selecting the wrong occupancy status relative to the loan purpose and income treatment
Providing an incomplete or missing property address
Omitting the self-employed checkbox when one or more borrowers have self-employment income
Frequently Asked Questions About Form 1008 / Form 1077
Is it really free for 7 days?
Can I fill other forms too?
How do I cancel?
How does the AI fill out Form 1008 / Form 1077?
What happens to my information?
How complex is Form 1008 / Form 1077 to fill out?
What is the Uniform Underwriting and Transmittal Summary (Form 1008/1077) and who needs to fill it out?
What borrower and property information is required in Section I?
How do I determine which Project Classification to select for a condominium?
What loan types and amortization types can be indicated in Section II?
What is a Temporary Buydown and how should it be disclosed on this form?
How do I calculate and enter the Loan-to-Value (LTV), CLTV, and HCLTV ratios?
What income and payment information must be entered in the Underwriting Information section?
What does the 'At least one borrower is self-employed' checkbox indicate?
What is the difference between Manual Underwriting and AUS, and how do I indicate which was used?
What seller and contact information is needed in Section IV?
What is the Fannie Mae Condo Project Manager™ Project ID and where do I find it?
Can I use AI tools like Instafill.ai to fill out this form?
How can I fill out this form online using Instafill.ai?
What if my copy of Form 1008/1077 is a flat, non-fillable PDF?
What are Interested Party Contributions and how are they entered on this form?
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Freddie Mac forms: Uniform Residential Loan Application (Freddie Mac Form 65 / Fannie Mae Form 1003), Uniform Residential Loan Application (Freddie Mac Form 65 / Fannie Mae Form 1003), Uniform Residential Appraisal Report (Fannie Mae Form 1004 / Freddie Mac Form 70), Uniform Residential Loan Application (Fannie Mae Form 1003 / Freddie Mac Form 65), Uniform Residential Loan Application, Fannie Mae Form 1003 / Freddie Mac Form 65, Fannie Mae Form 1073 / Freddie Mac Form 465, Individual Condominium Unit Appraisal Report
EDD forms: Uniform Residential Loan Application (Freddie Mac Form 65 / Fannie Mae Form 1003), Uniform Residential Loan Application (Freddie Mac Form 65 / Fannie Mae Form 1003), Uniform Residential Appraisal Report (Fannie Mae Form 1004 / Freddie Mac Form 70), Uniform Residential Loan Application (Fannie Mae Form 1003 / Freddie Mac Form 65), Uniform Residential Loan Application, Fannie Mae Form 1003 / Freddie Mac Form 65, Fannie Mae Form 1073 / Freddie Mac Form 465, Individual Condominium Unit Appraisal Report, Form DE 4, Employee’s Withholding Allowance Certificate (Rev. 56)
underwriting forms: Habitational Risks Supplement Application Form

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