---
schema_version: "secwatch.filing_event.v1"
accession: "0001493152-25-025730"
form_type: "8-K"
ticker: "UMH"
cik: "0000752642"
company_name: "UMH PROPERTIES, INC."
filed_at: "2025-12-02T23:59:59+00:00"
generated_at: "2026-05-16T15:48:38.029242+00:00"
event_type: "debt"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# UMH closes $91.8M Fannie Mae loan at 5.46%; communities appraised 98% above cost

## Summary
- Added seven manufactured home communities (1,765 sites) to Fannie Mae credit facility; total proceeds $91.8M.
- New loan at fixed rate of 5.46% with 9-year term, principal due December 2034; proceeds to fund acquisitions, expansions, and repay higher-rate debt.
- Certified appraisal valued the seven communities at $145.1M, or $82,000 per site, vs total investment of $73.2M, a 98% increase.
- Total outstanding under Fannie Mae facility now approximately $398.3M.

## SEC filing metadata
- accession: 0001493152-25-025730
- form_type: 8-K
- ticker: UMH
- cik: 0000752642
- company_name: UMH PROPERTIES, INC.
- filed_at: 2025-12-02T23:59:59+00:00
- event_type: debt
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 1.01, 2.03, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/752642/000149315225025730/0001493152-25-025730-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/752642/000149315225025730/form8-k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-25-025730
- JSON: https://secwatch.observer/filing/0001493152-25-025730.json
- Plain text: https://secwatch.observer/filing/0001493152-25-025730.txt

## Source-grounded claims
- claim_id: 4886f7a59092124905044dc4035beb754e113340
  claim: UMH PROPERTIES, INC. incurred credit facility of approximately $91.8 million with Wells Fargo Bank, N.A., Fannie Mae at 5.46% maturing December 2034.
  evidence_excerpt: On November 25, 2025, UMH Properties, Inc. (the “Company”) closed on the addition of seven manufactured home communities containing 1,765 sites to its Fannie Mae credit facility through Wells Fargo Bank, N.A. (the “Lender”), receiving total loan proceeds of approximately $91.8 million.
  evidence_url: https://www.sec.gov/Archives/edgar/data/752642/000149315225025730/0001493152-25-025730-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.