---
schema_version: "secwatch.filing_event.v1"
accession: "0001493152-26-022153"
form_type: "8-K"
ticker: "UMH"
cik: "0000752642"
company_name: "UMH PROPERTIES, INC."
filed_at: "2026-05-11T13:00:33+00:00"
generated_at: "2026-05-11T18:22:15.952989+00:00"
event_type: "debt"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# UMH amends and extends credit facility to $260M with $340M accordion; maturity to 2030

## Summary
- Facility increased to $260M available; $340M accordion feature brings potential to $600M with additional lenders.
- Maturity extended from Nov 7, 2026 to May 7, 2030, with a one-year extension option.
- Interest spread reduced by 35-40 bps to SOFR+1.30%-1.90% depending on leverage ratio.
- Unencumbered community capitalization rate decreased from 6.5% to 6.0%, increasing borrowing base.
- As of May 8, 2026, $10M drawn and $250M available under the amended facility.

## SEC filing metadata
- accession: 0001493152-26-022153
- form_type: 8-K
- ticker: UMH
- cik: 0000752642
- company_name: UMH PROPERTIES, INC.
- filed_at: 2026-05-11T13:00:33+00:00
- event_type: debt
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 1.01, 2.03, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/752642/000149315226022153/0001493152-26-022153-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/752642/000149315226022153/form8-k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-26-022153
- JSON: https://secwatch.observer/filing/0001493152-26-022153.json
- Plain text: https://secwatch.observer/filing/0001493152-26-022153.txt

## Key facts
- Material Agreements
  UMH PROPERTIES, INC. amended Third Amended and Restated Credit Agreement with BMO Capital Markets Corp., JPMorgan Chase Bank, N.A. and Wells Fargo Bank, N.A. valued at $260 million in available borrowings with a $340 million accordion feature (effective 2026-05-07).
  - Action: amendment
  - Agreement: credit facility
  - Counterparty: BMO Capital Markets Corp., JPMorgan Chase Bank, N.A. and Wells Fargo Bank, N.A.
  - Value: $260 million in available borrowings with a $340 million accordion feature
  - Effective: 2026-05-07
  source text: On May 7, 2026, UMH Properties, Inc. (“UMH” or the “Company”) entered into a Third Amended and Restated Credit Agreement (the Amendment” or the “Amended Facility”) to amend and extend its existing unsecured revolving credit facility
  evidence_url: https://www.sec.gov/Archives/edgar/data/752642/000149315226022153/0001493152-26-022153-index.htm

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