Computational Material for

RALI Series 2005-QA8 Trust

New Issue Computational Materials

Part I of II

$[509,645,600] (Approximate)

Mortgage Asset-Backed Pass-Through Certificates, Series 2005-QA8

RALI Series 2005-QA8 Trust

Issuer

Residential Accredit Loans, Inc.

Depositor

Residential Funding Corporation

Seller and Master Servicer

July 21, 2005

Any transactions in the certificates will be effected through Residential Funding Securities Corporation.

This Information was prepared by Residential Funding Securities Corporation in its capacity as underwriter. This information should be considered only after reading the Statement Regarding Assumptions as to Securities, Pricing Estimates and Other Information, which should be attached. Do not use or rely on this information if you have not received and reviewed this Statement. You may obtain a copy of the Statement from your sales representative.

Computational Material for

RALI Series 2005-QA8 Trust

Statement Regarding Assumptions as to Securities, Pricing Estimates, and Other Information

Any transactions in the certificates will be effected through Residential Funding Securities Corporation.

The information herein has been provided solely by Residential Funding Securities Corporation ("RFSC") based on information with respect to the mortgage loans provided by Residential Funding Corporation (“RFC”) and its affiliates. RFSC is a wholly owned subsidiary of RFC.

Neither the issuer of the securities nor any of its affiliates prepared, provided, approved or verified any statistical or numerical information presented herein, although that information may be based in part on loan level data provided by the issuer or its affiliates.

Investors are urged to read the base prospectus and the prospectus supplement and other relevant documents filed or to be filed with the Securities and Exchange Commission because they contain important information. Such documents may be obtained without charge at the Securities and Exchange Commission's website. Once available, the base prospectus and prospectus supplement may be obtained without charge by contacting the Residential Funding Securities Corporation trading desk at (301) 664-6900.

This communication does not contain all information that is required to be included in the base prospectus and the prospectus supplement.

The information in this communication is preliminary and is subject to completion or change.

The information in this communication supersedes information contained in any prior similar communication relating to these securities.

This communication is not an offer to sell or a solicitation of an offer to buy these securities in any state where such offer, solicitation or sale is not permitted.

All assumptions and information in this report reflect RFSC's judgment as of this date and are subject to change. All analyses are based on certain assumptions noted herein and different assumptions could yield substantially different results. You are cautioned that there is no universally accepted method for analyzing financial instruments. You should review the assumptions; there may be differences between these assumptions and your actual business practices. Further, RFSC does not guarantee any results and there is no guarantee as to the liquidity of the instruments involved in this analysis.

The decision to adopt any strategy remains your responsibility. RFSC (or any of its affiliates) or their officers, directors, analysts or employees may have positions in securities, commodities or derivative instruments thereon referred to here, and may, as principal or agent, buy or sell such securities, commodities or derivative instruments. In addition, RFSC may make a market in the securities referred to herein.

Finally, RFSC has not addressed the legal, accounting and tax implications of the analysis with respect to you, and RFSC strongly urges you to seek advice from your counsel, accountant and tax advisor.

Computational Material for

RALI Series 2005-QA8 Trust

RALI Series 2005-QA8 Trust Structure Summary

July [], 2005

$[509,687,600] (Approximate - Subject to Revision)

PRELIMINARY - Characteristics of the Offered Certificates

PRELIMINARY OFFERED CERTIFICATES
Class (2)	Group	Original Balance	Pass-Through Rate	Designation	Expected S&P / Moody's	WAL to Roll Date (1)
CB-I-1	I	94,695,900	5.644%	Senior / Super Senior / Variable Rate	AAA / Aaa	1.91
CB-I-2	I	10,249,000	5.644%	Senior / Senior Support / Variable Rate	AAA / Aaa	1.91
NB-I	II	56,683,100	5.439%	Senior / Variable Rate	AAA / Aaa	1.90
CB-II-1	III	159,752,000	5.639%	Senior / Super Senior / Variable Rate	AAA / Aaa	2.52
CB-II-2	III	7,345,300	5.639%	Senior / Senior Support / Variable Rate	AAA / Aaa	2.52
NB-II	IV	71,367,300	5.652%	Senior / Variable Rate	AAA / Aaa	2.52
CB-III	V	48,619,700	5.653%	Senior / Variable Rate	AAA / Aaa	2.85
NB-III	VI	35,217,200	5.524%	Senior / Variable Rate	AAA / Aaa	2.85
R	I	100	5.644%	Senior / Residual / Variable Rate	AAA / Aaa	-
M-1	I to VI	12,208,600	5.612%	Mezzanine / Variable Rate	AA / Aa2	3.98
M-2	I to VI	8,572,000	5.612%	Mezzanine / Variable Rate	A / A2	3.98
M-3	I to VI	4,935,400	5.612%	Mezzanine / Variable Rate	BBB / Baa2	3.98
Total Offered Certificates:		$509,645,600
PRELIMINARY NON-OFFERED CERTIFICATES (3)
Class (2)	Group	Original Balance	Pass-Through Rate	Designation	Expected S&P / Moody's (1 of 2)	WAL to Roll Date (4)
B-1	I to VI	4,675,600	5.612%	Subordinate / Variable Rate	BB/ Ba2	6.07
B-2	I to VI	3,117,100	5.612%	Subordinate / Variable Rate	B / B2	6.07
B-3	I to VI	2,079,100	5.612%	Subordinate / Variable Rate	NA / NA	6.07
Total Class B Certificates		$9,871,800
Total Offered and Non-Offered Certificates:		$519,517,400
(1) - Each of the respective Offered Certificates are run at the Pricing Speed to its respective assumed months to initial Rate Adjustment Date.
(2) - Class sizes subject to a 10% variance, from the FINAL class sizing.
(3) - The information presented for non-offered certificates is provided to assist your understanding of the offered certificates.
(4) - Each of the respective Non-Offered Certificates are run at the Pricing Speed to the respective Maturity Date.

Pricing Speed:

25% CPR for all Certificates.

Issuer:	RALI Series 2005-QA8 Trust.
Series Name:	Mortgage Asset-Backed Pass-Through Certificates, Series 2005-QA8.
Depositor:	Residential Accredited Loans Inc. (“RALI”), an affiliate of the Master Servicer.

Computational Material for

RALI Series 2005-QA8 Trust

Primary Servicing:	Primary servicing will be provided by HomeComings Financial Network, Inc. (“HomeComings”) with respect to approximately 55% of the mortgage loans. No other Primary servicer is expected to service a significant portion of the Mortgage Loans. All servicing will be in accordance with the RFC Servicing Guide in all material respects. HomeComings is a wholly-owned subsidiary of Residential Funding Corporation.
Master Servicer:	Residential Funding Corporation (“RFC”).
Trustee:	Deutsche Bank Trust Company Americas.
Underwriter:	Residential Funding Securities Corporation
Cut-off Date:	July 1, 2005.
Closing Date:	On or about July 29, 2005.

Offered Certificates:	The Classes CB-I-1, CB-I-2, NB-I, CB-II-1, CB-II-2, NB-II, CB-III, NB-III and Class R are herein referred to as the “Class A Certificates” and the Classes M-1, M-2 and M-3, are herein referred to as the “Class M Certificates”. The Class A Certificated and Class M Certificates, collectively, are herein referred to as the “Offered Certificates”.
Non-Offered Certificates:	Class B Certificates.
Distribution Date:	The 25^th day of each month or, if such day is not a business day, then the next succeeding business day, beginning in August 2005.

ERISA Eligibility:	The Class A Certificates and the Class M Certificates may be eligible for purchase by persons investing assets of employee benefit plans, individual retirement accounts or other arrangements subject to ERISA or 4975 of the Code, subject to considerations described in the prospectus supplement. The Class R Certificates generally will not be eligible for purchase by or with assets of such plans.
SMMEA:	When issued, the Class A, Class R and Class M-1 Certificates will, and the Class M-2 Certificates and Class M-3 Certificates will not, be “mortgage related securities” for the purposes of SMMEA.
Registration:	The Offered Certificates, other than the Class R Certificates, will be available in book-entry form through DTC, Clearstream and Euroclear.
Federal Tax Treatment:	The trust will make one or more REMIC elections.

Computational Material for

RALI Series 2005-QA8 Trust

Mortgage Loans:

The aggregate principal balance of the mortgage pool as of the Cut-Off Date is approximately $[519,517,400] and consists of approximately [2,033] one- to four-family residential hybrid adjustable-rate first lien mortgage loans, divided into five loan groups:

Group I is comprised of approximately $[112,663,020] and consists of approximately [560] 3/1 and 3/6 hybrid mortgage loans that have agency conforming balances secured by first liens on residential properties;

Group II is comprised of approximately $[60,851,445] and consists of approximately [130] 3/1 and 3/6 hybrid mortgage loans that are secured by first liens on residential properties;

Group III is comprised of approximately $[179,385,276] and consists of approximately [846] 5/1 and 5/6 hybrid mortgage loans that have agency conforming balances secured by first liens on residential properties;

Group IV is comprised of approximately $[76,615,545] and consists of approximately [148] 5/1 and 5/6 hybrid mortgage loans that are secured by first liens on residential properties; and

Group V is comprised of approximately $[52,195,120] and consists of approximately [278] 7/1 and 7/6 hybrid mortgage loans that have agency conforming balances are secured by first liens on residential properties.

Group VI is comprised of approximately $[37,806,993] and consists of approximately [71] 7/1 and 7/6 hybrid mortgage loans that are secured by first liens on residential properties.

Distributions of Offered Certificates:	On each monthly distribution date, the trustee will make distributions to investors. Except as provided in this prospectus supplement, the Class CB-I Certificates, which include the Class CB-I-1, Class CB-I-2 and the Class R Certificates will receive payments primarily from loan group I; the Class NB-I Certificates will receive payments primarily from loan group II; the Class CB-II-1 Certificates and the Class CB-II-2 will receive payments primarily from loan group III; the Class NB-II Certificates; the Class CB-III Certificates and Class NB-III Certificates, will receive payments primarily from loan groups IV, V and VI respectively. The Class M Certificates and Class B Certificates will receive payments from all six loan groups.
Principal and Interest Advancing:	For any month, if the Master Servicer receives a payment on a mortgage loan that is less than the full scheduled payment, or if no payment is received at all, the Master Servicer will advance its own funds to cover that shortfall. However, the Master Servicer will make an advance only if it determines that the advance will be recoverable from future payments or collections on that mortgage loan.
Compensating Interest:	For any Distribution Date, the Master Servicer will cover prepayment interest shortfalls up to an amount equal to the lesser of (a) one-twelfth of 0.125% of the aggregate principal balance of the mortgage loans immediately preceding that Distribution Date and (b) the sum of the master servicing fee payable to the Master Servicer in respect of its master servicing activities and reinvestment income received by the Master Servicer on amounts payable with respect to that Distribution Date with respect to the mortgage loans.
Mortgage Insurance:	To the best of the Depositor's knowledge, each mortgage loan with an LTV ratio at origination in excess of 80% will be insured by a primary mortgage insurance policy.
Allocation of Losses:	Realized Losses on the mortgage loans will be allocated first to the subordinate certificates in order of their reverse numerical class designation and second to the mezzanine certificates in order of their reverse numerical class designation until the certificate principal balance of each such Certificate has been reduced to zero. Thereafter Realized Losses on the mortgage loans will be allocated to proportionately among the senior certificates in accordance with their respective remaining certificate principal balances or accrued interest, subject to limitations. In addition, if the certificate principal balances of the subordinate and mezzanine Certificates have been reduced to zero, losses otherwise allocated to the Class CB-I-1 and Class CB-II-1 Certificates will be allocated to the Class CB-I-2 and CB-II-2 Certificates respectively, as long as the Class CB-I-2 and CB-II-2 Certificates respectively remain outstanding.

Computational Material for

RALI Series 2005-QA8 Trust

New Issue Computational Materials

Part II of II

$[509,645,600] (Approximate)

Mortgage Asset-Backed Pass-Through Certificates, Series 2005-QA8

RALI Series 2005-QA8 Trust

Issuer

Residential Accredit Loans, Inc.

Depositor

Residential Funding Corporation

Seller and Master Servicer

July 21, 2005

Any transactions in the certificates will be effected through Residential Funding Securities Corporation.

Computational Material for

RALI Series 2005-QA8 Trust

Statement Regarding Assumptions as to Securities, Pricing Estimates, and Other Information

Any transactions in the certificates will be effected through Residential Funding Securities Corporation.

This communication does not contain all information that is required to be included in the base prospectus and the prospectus supplement.

The information in this communication is preliminary and is subject to completion or change.

The information in this communication supersedes information contained in any prior similar communication relating to these securities.

This communication is not an offer to sell or a solicitation of an offer to buy these securities in any state where such offer, solicitation or sale is not permitted.

Computational Material for

RALI Series 2005-QA8 Trust

Aggregate Collateral Summary


Credit Score Distribution of the Aggregate Loans
Credit Score Range	Number Of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Original LTV
620 - 639	44	11,181,435	2.15	254,124	75.53
640 - 659	60	15,498,353	2.98	258,306	77.03
660 - 679	186	48,131,564	9.26	258,772	75.66
680 - 699	387	97,674,511	18.80	252,389	76.70
700 - 719	334	80,251,572	15.45	240,274	77.76
720 - 739	320	87,009,504	16.75	271,905	77.11
740 - 759	286	74,939,598	14.42	262,027	77.49
760 - 779	210	54,328,128	10.46	258,705	77.48
780 - 799	148	35,296,103	6.79	238,487	76.72
800 or Greater	57	14,744,132	2.84	258,669	71.95
Subtotal with Credit Score	2032	$ 519,054,900	99.91%	$ 255,440	76.88%
Not Available	1	462,500	0.09	462,500	50.00
Total:	2,033	$ 519,517,400	100.00%	$ 255,542	76.86%


As of the cut-off date, the weighted average Credit Score of the mortgage loans will be approximately 722


Original Mortgage Loan Principal Balances of the Aggregate Loans
Original Mortgage Loan Balance ($)	Number Of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
100,000 or less	146	$ 11,764,946	2.26%	$ 80,582	721	75.28%
100,001 to 200,000	748	113,698,326	21.89	152,003	724	77.17
200,001 to 300,000	549	136,233,746	26.22	248,149	720	77.60
300,001 to 400,000	330	114,131,555	21.97	345,853	720	77.52
400,001 to 500,000	139	62,388,304	12.01	448,837	724	77.53
500,001 to 600,000	67	36,729,336	7.07	548,199	720	77.16
600,001 to 700,000	27	17,325,700	3.33	641,693	706	75.22
700,001 to 800,000	13	9,825,900	1.89	755,838	733	74.31
800,001 to 900,000	2	1,665,000	0.32	832,500	719	72.00
900,001 to 1,000,000	6	5,808,603	1.12	968,101	725	66.57
1,200,001 to 1,300,000	2	2,600,000	0.50	1,300,000	781	62.50
1,300,001 to 1,400,000	1	1,382,184	0.27	1,382,184	742	56.00
1,400,001 to 1,500,000	1	1,478,800	0.28	1,478,800	759	65.00
1,900,001 to 2,000,000	1	2,000,000	0.38	2,000,000	682	63.00
2,000,001 or greater	1	2,485,000	0.48	2,485,000	762	71.00
Total:	2,033	$ 519,517,400	100.00%	$ 255,542	722	76.86%

As of the cut-off date, the average unpaid principal balance of the mortgage loans will be approximately $255,542

Computational Material for

RALI Series 2005-QA8 Trust

Net Mortgage Rates of the Aggregate Loans
Net Mortgage Rates (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
3.000 - 3.499	1	$ 534,750	0.10%	$ 534,750	662	75.00%
3.500 - 3.999	2	639,506	0.12	319,753	752	86.86
4.000 - 4.499	6	2,351,455	0.45	391,909	698	77.52
4.500 - 4.999	75	20,594,746	3.96	274,597	722	75.69
5.000 - 5.499	630	171,538,248	33.02	272,283	726	75.76
5.500 - 5.999	958	244,825,013	47.13	255,558	722	77.15
6.000 - 6.499	341	75,165,672	14.47	220,427	714	78.34
6.500 - 6.999	20	3,868,010	0.74	193,401	686	82.76
Total:	2,033	$ 519,517,400	100.00%	$ 255,542	722	76.86%

As of the cut-off date, the weighted average Net Mortgage Rate of the mortgage loans was approximately 5.6116% per annum.


Mortgage Rates of the Loans of the Aggregate Loans
Mortgage Rate (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
3.500 - 3.999	1	$ 534,750	0.10%	$ 534,750	662	75.00%
4.000 - 4.499	2	639,506	0.12	319,753	752	86.86
4.500 - 4.999	9	3,273,827	0.63	363,759	703	79.41
5.000 - 5.499	133	37,870,512	7.29	284,741	725	74.88
5.500 - 5.999	925	245,352,656	47.23	265,246	725	76.15
6.000 - 6.499	723	182,155,802	35.06	251,944	721	77.47
6.500 - 6.999	233	48,544,387	9.34	208,345	708	79.15
7.000 - 7.499	7	1,145,960	0.22	163,709	687	86.72
Total:	2,033	$ 519,517,400	100.00%	$ 255,542	722	76.86%

As of the cut-off date, the Weighted average mortgage rate of the mortgage loans will be approximately 5.9243% per annum.

Computational Material for

RALI Series 2005-QA8 Trust

Original Loan-to-Value of the Aggregate Loans
Original LTV Ratio (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score
0.01 - 50.00	64	$ 14,028,887	2.70%	$ 219,201	720
50.01 - 55.00	28	6,251,885	1.20	223,282	730
55.01 - 60.00	39	12,539,703	2.41	321,531	715
60.01 - 65.00	70	23,875,812	4.60	341,083	728
65.01 - 70.00	96	25,970,300	5.00	270,524	722
70.01 - 75.00	184	48,069,745	9.25	261,249	715
75.01 - 80.00	1,392	355,280,693	68.39	255,230	722
80.01 - 85.00	24	6,154,200	1.18	256,425	722
85.01 - 90.00	95	19,093,784	3.68	200,987	717
90.01 - 95.00	33	6,668,187	1.28	202,066	718
95.01 - 100.00	8	1,584,205	0.30	198,026	729
Total:	2,033	$ 519,517,400	100.00%	$ 255,542	722

The weighted average loan-to-value ratio at origination of the mortgage loans was approximately 76.86%

Computational Material for

RALI Series 2005-QA8 Trust

Geographical Distributions of Mortgaged Properties of the Aggregate Loans
State	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
California	484	$ 171,038,920	32.92%	$ 353,386	728	75.69%
Florida	217	51,278,095	9.87	236,305	721	77.04
New York	31	10,264,002	1.98	331,097	715	75.35
Texas	43	7,533,215	1.45	175,191	732	79.30
New Jersey	48	14,972,648	2.88	311,930	719	77.14
Georgia	66	14,098,227	2.71	213,609	716	77.99
Virginia	117	32,303,446	6.22	276,098	708	76.08
Alabama	13	2,145,265	0.41	165,020	705	79.44
Arkansas	2	153,956	0.03	76,978	755	80.00
Arizona	190	41,213,407	7.93	216,913	720	77.86
Colorado	95	16,796,315	3.23	176,803	719	78.60
Connecticut	24	6,467,045	1.24	269,460	706	75.04
District of Columbia	13	4,250,613	0.82	326,970	732	76.40
Delaware	2	604,000	0.12	302,000	755	80.00
Hawaii	2	328,032	0.06	164,016	718	56.94
Idaho	11	1,886,163	0.36	171,469	712	75.22
Illinois	50	11,102,857	2.14	222,057	722	78.93
Indiana	4	699,285	0.13	174,821	690	52.52
Kentucky	12	1,859,246	0.36	154,937	722	82.68
Louisiana	16	2,436,769	0.47	152,298	707	82.97
Massachusetts	27	6,568,263	1.26	243,269	723	77.02
Maryland	74	24,180,829	4.65	326,768	714	77.31
Maine	5	1,243,537	0.24	248,707	732	81.78
Michigan	42	8,792,228	1.69	209,339	731	74.87
Minnesota	31	7,152,693	1.38	230,732	720	79.62
Missouri	13	2,004,853	0.39	154,219	719	82.61
Mississippi	1	57,750	0.01	57,750	698	70.00
Montana	2	553,454	0.11	276,727	691	69.17
North Carolina	30	5,242,431	1.01	174,748	713	78.77
Nebraska	3	426,192	0.08	142,064	706	84.26
New Hampshire	7	1,060,987	0.20	151,570	702	74.40
New Mexico	8	1,262,950	0.24	157,869	719	79.99
Nevada	65	16,823,702	3.24	258,826	719	77.01
Ohio	29	4,191,278	0.81	144,527	713	81.18
Oklahoma	4	777,250	0.15	194,313	728	84.21
Oregon	41	8,362,632	1.61	203,967	724	79.67
Pennsylvania	11	1,737,223	0.33	157,929	707	76.72
Rhode Island	4	827,882	0.16	206,970	734	62.20
South Carolina	25	3,772,278	0.73	150,891	717	78.95
Tennessee	9	998,942	0.19	110,994	739	79.08
Utah	34	5,670,143	1.09	166,769	726	78.73
Vermont	1	116,250	0.02	116,250	768	75.00
Washington	104	22,847,211	4.40	219,685	723	76.85
Wisconsin	10	1,577,177	0.30	157,718	719	76.98
Wyoming	3	301,800	0.06	100,600	702	83.73
Iowa	4	561,257	0.11	140,314	744	81.37
Kansas	1	126,274	0.02	126,274	717	80.00
Alaska	1	320,000	0.06	320,000	681	80.00
West Virginia	4	528,431	0.10	132,108	749	78.05

Computational Material for

RALI Series 2005-QA8 Trust

Total:	2,033	$ 519,517,400	100.00%	$ 255,542	722	76.86%



Mortgage Loan Purpose of the Aggregate Loans
Loan Purpose	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
Purchase	1,355	$ 341,527,104	65.74%	$ 252,050	728	79.16%
Rate/Term Refinance	230	55,742,832	10.73	242,360	712	74.35
Equity Refinance	448	122,247,464	23.53	272,874	709	71.58
Total:	2,033	$ 519,517,400	100.00%	$ 255,542	722	76.86%



Mortgage Loan Documentation Types of the Aggregate Loans
Documentation	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
Full Documentation	744	$ 167,243,982	32.19%	$ 224,790	719	78.30%
Reduced Documentation	1,289	352,273,418	67.81	273,292	723	76.18
Total:	2,033	$ 519,517,400	100.00%	$ 255,542	722	76.86%



Occupancy Type of the Aggregate Loans
Occupancy Type	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
Primary Residence	1,524	$ 416,246,608	80.12%	$ 273,128	719	77.44%
Second/Vacation	95	24,715,440	4.76	260,163	728	76.33
Non-Owner Occupied	414	78,555,353	15.12	189,747	732	73.96
Total:	2,033	$ 519,517,400	100.00%	$ 255,542	722	76.86%

Computational Material for

RALI Series 2005-QA8 Trust

Mortgaged Property Types of the Aggregate Loans
Property Type	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
Single-family detached	1,193	$ 310,944,679	59.85%	$ 260,641	721	76.49%
Townhouse	16	2,588,828	0.50	161,802	707	82.72
Condo-Low-Rise(Less than 5 stories)	189	42,228,729	8.13	223,432	729	77.06
Condo Mid-Rise (5 to 8 stories)	12	2,780,911	0.54	231,743	718	75.75
Condo High-Rise (9 stories or more)	14	3,963,646	0.76	283,118	736	71.29
Planned Unit Developments (detached)	426	111,709,421	21.50	262,229	719	77.77
Planned Unit Developments (attached)	74	17,526,079	3.37	236,839	726	77.78
Two-to-four family units	107	27,293,859	5.25	255,083	722	76.95
Condotel (1 to 4 stories)	1	57,750	0.01	57,750	698	70.00
Leasehold	1	423,500	0.08	423,500	779	70.00
Total:	2,033	$ 519,517,400	100.00%	$ 255,542	722	76.86%



Prepayment Penalty Terms of the Aggregate Loans
Prepayment Penalty Term	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
12 Months	62	$ 15,299,280	2.94%	$ 246,763	719	77.53%
24 Months	26	6,744,082	1.30	259,388	720	75.91
36 Months	204	47,360,936	9.12	232,161	725	77.89
60 Months	47	9,564,194	1.84	203,493	710	75.18
None	1,693	440,381,449	84.77	260,119	722	76.79
Other	1	167,459	0.03	167,459	636	34.00
Total:	2,033	$ 519,517,400	100.00%	$ 255,542	722	76.86%




Note Margins of the Aggregate Loans
Note Margin (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
1.500 - 1.999	6	$ 2,296,758	0.44%	$ 382,793	721	73.49%
2.000 - 2.499	942	281,522,728	54.19	298,856	722	76.30
2.500 - 2.999	423	101,753,377	19.59	240,552	720	77.88
3.000 - 3.499	650	130,599,740	25.14	200,923	722	77.35
3.500 - 3.999	11	3,148,985	0.61	286,271	747	78.13
5.000 - 5.499	1	195,811	0.04	195,811	645	41.00
Total:	2,033	$ 519,517,400	100.00%	$ 255,542	722	76.86%


As of the cut-off date, the weighted average note margin of the adjustable rate mortgage loans was approximately 2.6054% per annum.

Computational Material for

RALI Series 2005-QA8 Trust

Maximum Mortgage Rates of the Aggregate Loans
Maximum Mortgage Rate (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
8.000 - 8.999	1	$ 191,023	0.04%	$ 191,023	725	80.00%
9.000 - 9.999	2	692,322	0.13	346,161	674	79.55
10.000 - 10.999	449	128,858,117	24.80	286,989	721	75.66
11.000 - 11.999	987	249,965,355	48.11	253,258	724	77.03
12.000 - 12.999	593	139,698,269	26.89	235,579	719	77.62
13.000 - 13.999	1	112,315	0.02	112,315	637	90.00
Total:	2,033	$ 519,517,400	100.00%	$ 255,542	722	76.86%


As of the cut-off date, the weighted average maximum mortgage rate of the adjustable rate loans was approximately 11.5030% per annum.

Minimum Mortgage Rates of the Aggregate Loans
Minimum Mortgage Rates (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
1.000 - 1.999	6	$ 2,296,758	0.44%	$ 382,793	721	73.49%
2.000 - 2.999	1,360	382,363,895	73.60	281,150	722	76.73
3.000 - 3.999	659	133,441,281	25.69	202,491	722	77.36
5.000 - 5.999	3	425,609	0.08	141,870	679	58.28
6.000 - 6.999	5	989,857	0.19	197,971	679	72.29
Total:	2,033	$ 519,517,400	100.00%	$ 255,542	722	76.86%


As of the cut-off date, the weighted average minimum mortgage rate of the adjustable rate mortgage loans was approximately 2.6146% per annum

Computational Material for

RALI Series 2005-QA8 Trust

Next Interest Rate Adjustment Date of the Aggregate Loans
Next Interest Adjustment Date	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
July 2007	1	$ 300,000	0.06%	$ 300,000	753	90.00%
February 2008	2	1,009,750	0.19	504,875	671	75.94
March 2008	10	3,360,514	0.65	336,051	709	72.96
April 2008	77	21,231,233	4.09	275,730	722	78.66
May 2008	160	44,784,560	8.62	279,903	720	76.68
June 2008	265	60,908,579	11.72	229,844	725	78.03
July 2008	175	41,919,830	8.07	239,542	723	78.18
August 2009	1	70,960	0.01	70,960	706	15.00
February 2010	2	312,745	0.06	156,373	695	87.56
March 2010	14	2,873,297	0.55	205,235	704	76.51
April 2010	51	14,067,696	2.71	275,837	697	75.85
May 2010	256	62,445,029	12.02	243,926	720	77.59
June 2010	414	107,662,586	20.72	260,055	722	76.96
July 2010	256	68,568,509	13.20	267,846	721	75.74
November 2011	1	132,005	0.03	132,005	747	75.00
January 2012	1	351,651	0.07	351,651	644	80.00
February 2012	9	2,178,824	0.42	242,092	702	68.90
March 2012	29	8,172,382	1.57	281,806	700	78.70
April 2012	56	14,601,211	2.81	260,736	724	74.57
May 2012	55	14,071,444	2.71	255,844	734	76.68
June 2012	128	32,434,306	6.24	253,393	729	75.77
July 2012	70	18,060,290	3.48	258,004	733	74.80
Total:	2,033	$ 519,517,400	100.00%	$ 255,542	722	76.86%



Indices of the Aggregate Loans
Index	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
1 Year CMT	2	$ 1,112,000	0.21%	$ 556,000	675	82.75%
1 Year LIBOR	1,350	328,334,769	63.20	243,211	723	77.73
6 Month LIBOR	681	190,070,631	36.59	279,105	719	75.32
Total:	2,033	$ 519,517,400	100.00%	$ 255,542	722	76.86%

Computational Material for

RALI Series 2005-QA8 Trust

Remaining Term to Maturity of the Aggregate Loans
Remaining Term	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
348	1	$ 300,000	0.06%	$ 300,000	753	90.00%
349	1	70,960	0.01	70,960	706	15.00
352	1	132,005	0.03	132,005	747	75.00
354	1	351,651	0.07	351,651	644	80.00
355	13	3,501,319	0.67	269,332	692	72.60
356	53	14,406,192	2.77	271,815	703	76.93
357	181	49,237,501	9.48	272,030	715	76.62
358	474	121,963,671	23.48	257,307	722	77.16
359	807	201,005,472	38.69	249,077	724	77.09
360	501	128,548,629	24.74	256,584	723	76.40
Total:	2,033	$ 519,517,400	100.00%	$ 255,542	722	76.86%

First Interest Rate Cap of the Aggregate Loans
First Interest Rate Cap (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
1.000	4	$ 1,458,600	0.28%	$ 364,650	735	78.32%
2.000	516	120,648,870	23.22	233,816	724	78.38
3.000	16	4,843,390	0.93	302,712	706	72.17
4.875	1	302,000	0.06	302,000	634	70.00
5.000	804	215,402,100	41.46	267,913	720	76.71
5.125	1	903,614	0.17	903,614	756	80.00
5.875	1	639,438	0.12	639,438	732	80.00
6.000	690	175,319,387	33.75	254,086	722	76.10
Total:	2,033	$ 519,517,400	100.00%	$ 255,542	722	76.86%

Periodic Rate Caps of the Aggregate Loans
Periodic Interest Rate Cap (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
1.000	518	$ 140,689,333	27.08%	$ 271,601	716	76.47%
2.000	1,515	378,828,067	72.92	250,052	724	77.00
Total:	2,033	$ 519,517,400	100.00%	$ 255,542	722	76.86%

Amortization Type of the Aggregate Loans
Amortization Type	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
Fully Amortizing	363	$ 76,425,340	14.71%	$ 210,538	721	75.96%
Initial Interest Only Period-10 Years	780	226,544,951	43.61	290,442	721	76.79
Initial Interest Only Period-3 Years	306	73,207,514	14.09	239,240	723	78.61
Initial Interest Only Period-5 Years	344	85,088,836	16.38	247,351	719	76.66
Initial Interest Only Period-7 Years	240	58,250,760	11.21	242,711	727	76.39
Total:	2,033	$ 519,517,400	100.00%	$ 255,542	722	76.86%

Computational Material for

RALI Series 2005-QA8 Trust

Group 1 Collateral Summary


Credit Score Distribution of the Group 1 Loans
Credit Score Range	Number Of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Original LTV
620 - 639	11	$ 2,170,185	1.93%	$ 197,290	72.67%
640 - 659	16	2,772,182	2.46	173,261	74.42
660 - 679	49	9,937,520	8.82	202,807	74.65
680 - 699	108	21,817,157	19.36	202,011	77.95
700 - 719	108	21,917,505	19.45	202,940	77.17
720 - 739	84	16,532,782	14.67	196,819	77.34
740 - 759	77	15,517,475	13.77	201,526	79.72
760 - 779	49	9,947,299	8.83	203,006	76.31
780 - 799	44	8,600,043	7.63	195,456	77.33
800 or Greater	14	3,450,874	3.06	246,491	72.87
Total:	560	$ 112,663,020	100.00%	$ 201,184	77.13%


As of the cut-off date, the weighted average Credit Score of the mortgage loans will be approximately 721


Original Mortgage Loan Principal Balances of the Group 1 Loans
Original Mortgage Loan Balance ($)	Number Of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
100,000 or less	40	$ 3,185,274	2.83%	$ 79,632	715	75.01%
100,001 to 200,000	269	40,761,177	36.18	151,529	722	76.78
200,001 to 300,000	172	42,250,270	37.50	245,641	719	77.52
300,001 to 400,000	76	25,191,408	22.36	331,466	723	77.15
400,001 to 500,000	3	1,274,891	1.13	424,964	752	79.86
Total:	560	$ 112,663,020	100.00%	$ 201,184	721	77.13%

As of the cut-off date, the average unpaid principal balance of the mortgage loans will be approximately $201,184

Computational Material for

RALI Series 2005-QA8 Trust

Net Mortgage Rates of the Group 1 Loans
Net Mortgage Rates (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
4.500 - 4.999	28	$ 7,008,407	6.22%	$ 250,300	720	75.76%
5.000 - 5.499	146	31,591,187	28.04	216,378	725	75.15
5.500 - 5.999	270	52,556,271	46.65	194,653	721	77.69
6.000 - 6.499	113	20,969,106	18.61	185,567	718	79.13
6.500 - 6.999	3	538,050	0.48	179,350	721	77.26
Total:	560	$ 112,663,020	100.00%	$ 201,184	721	77.13%

As of the cut-off date, the weighted average Net Mortgage Rate of the mortgage loans was approximately 5.6441% per annum.


Mortgage Rates of the Loans of the Group 1 Loans
Mortgage Rate (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
5.000 - 5.499	41	$ 9,944,058	8.83%	$ 242,538	725	75.08%
5.500 - 5.999	221	47,279,221	41.97	213,933	721	75.33
6.000 - 6.499	230	43,734,228	38.82	190,149	722	79.09
6.500 - 6.999	68	11,705,513	10.39	172,140	718	78.80
Total:	560	$ 112,663,020	100.00%	$ 201,184	721	77.13%

As of the cut-off date, the Weighted average mortgage rate of the mortgage loans will be approximately 5.9560% per annum.


Original Loan-to-Value of the Group 1 Loans
Original LTV Ratio (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score
0.01 - 50.00	22	$ 4,014,760	3.56%	$ 182,489	725
50.01 - 55.00	4	626,871	0.56	156,718	745
55.01 - 60.00	7	1,438,761	1.28	205,537	685
60.01 - 65.00	16	3,805,905	3.38	237,869	735
65.01 - 70.00	35	6,301,590	5.59	180,045	720
70.01 - 75.00	60	10,779,730	9.57	179,662	711
75.01 - 80.00	371	76,794,600	68.16	206,994	721
80.01 - 85.00	8	1,879,804	1.67	234,975	730
85.01 - 90.00	26	4,735,047	4.20	182,117	734
90.01 - 95.00	7	1,493,501	1.33	213,357	742
95.01 - 100.00	4	792,451	0.70	198,113	731
Total:	560	$ 112,663,020	100.00%	$ 201,184	721

The weighted average loan-to-value ratio at origination of the mortgage loans was approximately 77.13%

Computational Material for

RALI Series 2005-QA8 Trust

Geographical Distributions of Mortgaged Properties of the Group 1 Loans
State	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
California	93	$ 24,298,184	21.57%	$ 261,271	727	75.72%
Florida	73	13,500,351	11.98	184,936	726	77.90
New York	5	1,410,799	1.25	282,160	745	76.99
Texas	9	1,607,317	1.43	178,591	684	79.92
New Jersey	15	4,219,101	3.74	281,273	735	78.25
Georgia	24	3,757,405	3.34	156,559	715	77.43
Virginia	17	3,740,386	3.32	220,023	727	73.17
Alabama	6	1,372,966	1.22	228,828	715	80.88
Arizona	73	13,868,003	12.31	189,973	712	77.18
Colorado	43	7,136,940	6.33	165,975	720	78.03
Connecticut	9	1,760,783	1.56	195,643	709	79.87
District of Columbia	2	507,713	0.45	253,856	685	72.04
Hawaii	1	204,292	0.18	204,292	711	46.00
Idaho	1	114,393	0.10	114,393	687	80.00
Illinois	10	2,242,503	1.99	224,250	705	81.79
Indiana	2	457,429	0.41	228,715	680	37.15
Kentucky	4	563,011	0.50	140,753	712	86.26
Louisiana	4	421,829	0.37	105,457	715	78.24
Massachusetts	11	2,720,721	2.41	247,338	738	74.84
Maryland	16	3,624,543	3.22	226,534	708	77.22
Maine	2	313,096	0.28	156,548	726	75.02
Michigan	14	2,120,573	1.88	151,469	734	78.57
Minnesota	11	2,183,010	1.94	198,455	727	79.74
Missouri	8	1,177,008	1.04	147,126	725	84.44
Mississippi	1	57,750	0.05	57,750	698	70.00
North Carolina	9	1,738,295	1.54	193,144	695	79.22
Nebraska	2	276,338	0.25	138,169	694	86.57
New Hampshire	3	479,484	0.43	159,828	712	76.36
New Mexico	2	277,113	0.25	138,556	751	82.62
Nevada	20	4,152,805	3.69	207,640	718	77.22
Ohio	2	186,990	0.17	93,495	704	87.65
Oregon	9	1,743,492	1.55	193,721	738	79.62
Pennsylvania	3	284,342	0.25	94,781	701	56.08
Rhode Island	3	627,882	0.56	209,294	715	63.54
South Carolina	8	1,133,978	1.01	141,747	697	76.63
Tennessee	3	300,963	0.27	100,321	734	70.75
Utah	9	1,517,219	1.35	168,580	738	80.00
Vermont	1	116,250	0.10	116,250	768	75.00
Washington	26	5,480,998	4.86	210,808	718	78.55
Wisconsin	3	417,023	0.37	139,008	746	80.00
Iowa	2	365,239	0.32	182,620	761	79.75
West Virginia	1	184,506	0.16	184,506	790	80.00
Total:	560	$ 112,663,020	100.00%	$ 201,184	721	77.13%

Computational Material for

RALI Series 2005-QA8 Trust

Mortgage Loan Purpose of the Group 1 Loans
Loan Purpose	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
Purchase	396	$ 78,405,868	69.59%	$ 197,995	727	79.39%
Rate/Term Refinance	72	12,901,143	11.45	179,183	705	75.38
Equity Refinance	92	21,356,008	18.96	232,131	709	69.86
Total:	560	$ 112,663,020	100.00%	$ 201,184	721	77.13%



Mortgage Loan Documentation Types of the Group 1 Loans
Documentation	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
Full Documentation	203	$ 36,588,583	32.48%	$ 180,239	719	78.73%
Reduced Documentation	357	76,074,437	67.52	213,094	722	76.35
Total:	560	$ 112,663,020	100.00%	$ 201,184	721	77.13%



Occupancy Type of the Group 1 Loans
Occupancy Type	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
Primary Residence	399	$ 82,948,104	73.62%	$ 207,890	717	77.95%
Second/Vacation	34	7,200,664	6.39	211,784	731	77.73
Non-Owner Occupied	127	22,514,252	19.98	177,278	735	73.90
Total:	560	$ 112,663,020	100.00%	$ 201,184	721	77.13%



Mortgaged Property Types of the Group 1 Loans
Property Type	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
Single-family detached	319	$ 63,191,280	56.09%	$ 198,092	720	76.53%
Townhouse	3	407,200	0.36	135,733	723	80.00
Condo-Low-Rise(Less than 5 stories)	48	8,741,775	7.76	182,120	722	77.88
Condo Mid-Rise (5 to 8 stories)	3	620,531	0.55	206,844	695	77.45
Condo High-Rise (9 stories or more)	3	680,896	0.60	226,965	714	64.98
Planned Unit Developments (detached)	128	26,998,584	23.96	210,926	723	77.66
Planned Unit Developments (attached)	23	4,041,317	3.59	175,709	735	78.53
Two-to-four family units	32	7,923,687	7.03	247,615	726	79.43
Condotel (1 to 4 stories)	1	57,750	0.05	57,750	698	70.00
Total:	560	$ 112,663,020	100.00%	$ 201,184	721	77.13%

Computational Material for

RALI Series 2005-QA8 Trust


Prepayment Penalty Terms of the Group 1 Loans
Prepayment Penalty Term	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
12 Months	18	$ 3,852,675	3.42%	$ 214,038	696	75.87%
24 Months	4	966,161	0.86	241,540	710	79.67
36 Months	60	11,780,126	10.46	196,335	721	79.06
60 Months	2	608,000	0.54	304,000	744	80.00
None	476	95,456,058	84.73	200,538	722	76.89
Total:	560	$ 112,663,020	100.00%	$ 201,184	721	77.13%




Note Margins of the Group 1 Loans
Note Margin (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
2.000 - 2.499	236	$ 52,756,674	46.83%	$ 223,545	723	76.60%
2.500 - 2.999	68	14,578,624	12.94	214,392	710	77.78
3.000 - 3.499	249	43,920,926	38.98	176,389	724	77.70
3.500 - 3.999	6	1,210,985	1.07	201,831	743	77.23
5.000 - 5.499	1	195,811	0.17	195,811	645	41.00
Total:	560	$ 112,663,020	100.00%	$ 201,184	721	77.13%


As of the cut-off date, the weighted average note margin of the adjustable rate mortgage loans was approximately 2.7228% per annum.

Maximum Mortgage Rates of the Group 1 Loans
Maximum Mortgage Rate (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
8.000 - 8.999	1	$ 191,023	0.17%	$ 191,023	725	80.00%
10.000 - 10.999	4	1,073,637	0.95	268,409	680	75.35
11.000 - 11.999	262	56,955,892	50.55	217,389	722	75.33
12.000 - 12.999	293	54,442,468	48.32	185,810	721	79.03
Total:	560	$ 112,663,020	100.00%	$ 201,184	721	77.13%


As of the cut-off date, the weighted average maximum mortgage rate of the adjustable rate loans was approximately 11.9326% per annum.

Computational Material for

RALI Series 2005-QA8 Trust

Minimum Mortgage Rates of the Group 1 Loans
Minimum Mortgage Rates (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
2.000 - 2.999	304	$ 67,335,298	59.77%	$ 221,498	720	76.85%
3.000 - 3.999	254	44,952,245	39.90	176,977	724	77.68
6.000 - 6.999	2	375,477	0.33	187,738	696	59.66
Total:	560	$ 112,663,020	100.00%	$ 201,184	721	77.13%


As of the cut-off date, the weighted average minimum mortgage rate of the adjustable rate mortgage loans was approximately 2.7299% per annum

Next Interest Rate Adjustment Date of the Group 1 Loans
Next Interest Adjustment Date	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
July 2007	1	$ 300,000	0.27%	$ 300,000	753	90.00%
March 2008	6	1,479,114	1.31	246,519	718	74.17
April 2008	50	10,218,974	9.07	204,379	720	78.07
May 2008	128	27,645,082	24.54	215,977	719	75.31
June 2008	228	44,584,110	39.57	195,544	723	77.81
July 2008	147	28,435,740	25.24	193,440	723	77.50
Total:	560	$ 112,663,020	100.00%	$ 201,184	721	77.13%



Indices of the Group 1 Loans
Index	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
1 Year LIBOR	420	$ 81,221,325	72.09%	$ 193,384	724	78.31%
6 Month LIBOR	140	31,441,695	27.91	224,584	715	74.08
Total:	560	$ 112,663,020	100.00%	$ 201,184	721	77.13%


Remaining Term to Maturity of the Group 1 Loans
Remaining Term	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
348	1	$ 300,000	0.27%	$ 300,000	753	90.00%
356	6	1,479,114	1.31	246,519	718	74.17
357	50	10,218,974	9.07	204,379	720	78.07
358	128	27,645,082	24.54	215,977	719	75.31
359	228	44,584,110	39.57	195,544	723	77.81
360	147	28,435,740	25.24	193,440	723	77.50
Total:	560	$ 112,663,020	100.00%	$ 201,184	721	77.13%

Computational Material for

RALI Series 2005-QA8 Trust

First Interest Rate Cap of the Group 1 Loans
First Interest Rate Cap (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
1.000	2	$ 506,600	0.45%	$ 253,300	710	75.16%
2.000	425	82,183,417	72.95	193,373	724	78.23
3.000	15	4,100,190	3.64	273,346	715	70.76
5.000	5	1,086,250	0.96	217,250	703	78.97
6.000	113	24,786,563	22.00	219,350	716	74.47
Total:	560	$ 112,663,020	100.00%	$ 201,184	721	77.13%

Periodic Rate Caps of the Group 1 Loans
Periodic Interest Rate Cap (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
1.000	92	$ 20,934,914	18.58%	$ 227,553	712	76.36%
2.000	468	91,728,106	81.42	196,000	724	77.30
Total:	560	$ 112,663,020	100.00%	$ 201,184	721	77.13%

Amortization Type of the Group 1 Loans
Amortization Type	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
Fully Amortizing	138	$ 25,139,334	22.31%	$ 182,169	727	75.82%
Initial Interest Only Period-10 Years	174	40,104,897	35.60	230,488	717	76.68
Initial Interest Only Period-3 Years	247	47,222,977	41.92	191,186	722	78.35
Initial Interest Only Period-5 Years	1	195,811	0.17	195,811	645	41.00
Total:	560	$ 112,663,020	100.00%	$ 201,184	721	77.13%

Computational Material for

RALI Series 2005-QA8 Trust

Group 2 Collateral Summary


Credit Score Distribution of the Group 2 Loans
Credit Score Range	Number Of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Original LTV
620 - 639	3	$ 1,183,000	1.94%	$ 394,333	78.74%
640 - 659	3	1,423,327	2.34	474,442	74.53
660 - 679	9	4,750,442	7.81	527,827	78.45
680 - 699	20	9,509,714	15.63	475,486	75.77
700 - 719	13	5,976,919	9.82	459,763	78.77
720 - 739	35	16,936,917	27.83	483,912	79.20
740 - 759	21	10,118,792	16.63	481,847	80.68
760 - 779	15	6,806,225	11.18	453,748	80.54
780 - 799	9	3,582,609	5.89	398,068	78.28
800 or Greater	2	563,500	0.93	281,750	77.53
Total:	130	$ 60,851,445	100.00%	$ 468,088	78.77%


As of the cut-off date, the weighted average Credit Score of the mortgage loans will be approximately 724


Original Mortgage Loan Principal Balances of the Group 2 Loans
Original Mortgage Loan Balance ($)	Number Of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
100,001 to 200,000	6	$ 967,490	1.59%	$ 161,248	726	87.35%
200,001 to 300,000	6	1,552,736	2.55	258,789	749	81.93
300,001 to 400,000	26	9,878,739	16.23	379,952	727	78.68
400,001 to 500,000	52	23,531,825	38.67	452,535	725	79.25
500,001 to 600,000	24	12,982,949	21.34	540,956	719	78.43
600,001 to 700,000	6	3,877,807	6.37	646,301	732	80.81
700,001 to 800,000	6	4,479,900	7.36	746,650	727	80.00
800,001 to 900,000	2	1,665,000	2.74	832,500	719	72.00
900,001 to 1,000,000	2	1,914,999	3.15	957,500	701	67.83
Total:	130	$ 60,851,445	100.00%	$ 468,088	724	78.77%

As of the cut-off date, the average unpaid principal balance of the mortgage loans will be approximately $468,088

Computational Material for

RALI Series 2005-QA8 Trust

Net Mortgage Rates of the Group 2 Loans
Net Mortgage Rates (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
3.000 - 3.499	1	$ 534,750	0.88%	$ 534,750	662	75.00%
3.500 - 3.999	2	639,506	1.05	319,753	752	86.86
4.000 - 4.499	6	2,351,455	3.86	391,909	698	77.52
4.500 - 4.999	20	6,376,596	10.48	318,830	726	80.43
5.000 - 5.499	38	19,018,799	31.25	500,495	731	78.91
5.500 - 5.999	51	25,977,943	42.69	509,371	724	78.11
6.000 - 6.499	12	5,952,396	9.78	496,033	715	79.43
Total:	130	$ 60,851,445	100.00%	$ 468,088	724	78.77%

As of the cut-off date, the weighted average Net Mortgage Rate of the mortgage loans was approximately 5.4394% per annum.


Mortgage Rates of the Loans of the Group 2 Loans
Mortgage Rate (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
3.500 - 3.999	1	$ 534,750	0.88%	$ 534,750	662	75.00%
4.000 - 4.499	2	639,506	1.05	319,753	752	86.86
4.500 - 4.999	8	3,116,255	5.12	389,532	702	78.62
5.000 - 5.499	21	7,182,025	11.80	342,001	731	78.86
5.500 - 5.999	50	24,478,049	40.23	489,561	729	79.46
6.000 - 6.499	44	23,021,660	37.83	523,220	722	77.80
6.500 - 6.999	4	1,879,200	3.09	469,800	721	80.00
Total:	130	$ 60,851,445	100.00%	$ 468,088	724	78.77%

As of the cut-off date, the Weighted average mortgage rate of the mortgage loans will be approximately 5.7775% per annum.

Computational Material for

RALI Series 2005-QA8 Trust

Original Loan-to-Value of the Group 2 Loans
Original LTV Ratio (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score
55.01 - 60.00	1	$ 915,000	1.50%	$ 915,000	683
60.01 - 65.00	3	1,811,529	2.98	603,843	731
65.01 - 70.00	6	2,543,229	4.18	423,872	695
70.01 - 75.00	6	3,478,399	5.72	579,733	706
75.01 - 80.00	104	48,704,976	80.04	468,317	727
80.01 - 85.00	3	1,175,025	1.93	391,675	707
85.01 - 90.00	4	1,416,981	2.33	354,245	770
90.01 - 95.00	1	499,537	0.82	499,537	745
95.01 - 100.00	2	306,768	0.50	153,384	720
Total:	130	$ 60,851,445	100.00%	$ 468,088	724

The weighted average loan-to-value ratio at origination of the mortgage loans was approximately 78.77%


Geographical Distributions of Mortgaged Properties of the Group 2 Loans
State	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
California	83	$ 40,813,215	67.07%	$ 491,725	729	78.63%
Florida	9	4,290,737	7.05	476,749	730	77.19
New York	1	534,750	0.88	534,750	662	75.00
Georgia	1	237,981	0.39	237,981	770	90.00
Virginia	9	3,963,704	6.51	440,412	710	78.66
Arizona	6	3,143,200	5.17	523,867	712	78.94
Colorado	1	182,500	0.30	182,500	729	80.00
Idaho	1	450,000	0.74	450,000	688	75.00
Illinois	2	763,194	1.25	381,597	746	80.00
Massachusetts	1	195,200	0.32	195,200	741	80.00
Maryland	4	2,307,200	3.79	576,800	713	80.00
Minnesota	2	640,555	1.05	320,277	728	78.81
New Mexico	2	258,137	0.42	129,068	705	90.09
Nevada	5	1,937,153	3.18	387,431	702	80.50
Ohio	1	528,000	0.87	528,000	681	80.00
Utah	1	162,000	0.27	162,000	732	90.00
Washington	1	443,920	0.73	443,920	739	80.00
Total:	130	$ 60,851,445	100.00%	$ 468,088	724	78.77%

Computational Material for

RALI Series 2005-QA8 Trust

Mortgage Loan Purpose of the Group 2 Loans
Loan Purpose	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
Purchase	95	$ 44,347,512	72.88%	$ 466,816	732	80.24%
Rate/Term Refinance	10	4,878,924	8.02	487,892	711	76.86
Equity Refinance	25	11,625,010	19.10	465,000	701	73.99
Total:	130	$ 60,851,445	100.00%	$ 468,088	724	78.77%



Mortgage Loan Documentation Types of the Group 2 Loans
Documentation	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
Full Documentation	48	$ 20,580,732	33.82%	$ 428,765	724	78.83%
Reduced Documentation	82	40,270,713	66.18	491,106	725	78.74
Total:	130	$ 60,851,445	100.00%	$ 468,088	724	78.77%



Occupancy Type of the Group 2 Loans
Occupancy Type	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
Primary Residence	114	$ 54,321,515	89.27%	$ 476,505	725	78.94%
Second/Vacation	9	3,894,150	6.40	432,683	720	79.33
Non-Owner Occupied	7	2,635,781	4.33	376,540	725	74.45
Total:	130	$ 60,851,445	100.00%	$ 468,088	724	78.77%



Mortgaged Property Types of the Group 2 Loans
Property Type	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
Single-family detached	89	$ 40,441,088	66.46%	$ 454,394	725	78.57%
Condo-Low-Rise(Less than 5 stories)	10	4,332,203	7.12	433,220	731	79.36
Condo High-Rise (9 stories or more)	1	539,250	0.89	539,250	734	75.00
Planned Unit Developments (detached)	22	11,761,941	19.33	534,634	717	80.17
Planned Unit Developments (attached)	3	1,199,120	1.97	399,707	752	80.00
Two-to-four family units	4	2,154,343	3.54	538,586	718	75.74
Leasehold	1	423,500	0.70	423,500	779	70.00
Total:	130	$ 60,851,445	100.00%	$ 468,088	724	78.77%

Computational Material for

RALI Series 2005-QA8 Trust

Prepayment Penalty Terms of the Group 2 Loans
Prepayment Penalty Term	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
12 Months	6	$ 2,919,438	4.80%	$ 486,573	745	80.00%
36 Months	18	8,396,073	13.80	466,449	730	80.27
60 Months	2	1,024,500	1.68	512,250	679	79.52
None	104	48,511,434	79.72	466,456	723	78.42
Total:	130	$ 60,851,445	100.00%	$ 468,088	724	78.77%




Note Margins of the Group 2 Loans
Note Margin (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
2.000 - 2.499	87	$ 39,832,644	65.46%	$ 457,846	725	78.40%
2.500 - 2.999	30	14,536,224	23.89	484,541	721	78.94
3.000 - 3.499	10	5,098,577	8.38	509,858	724	80.84
3.500 - 3.999	3	1,384,000	2.27	461,333	763	80.00
Total:	130	$ 60,851,445	100.00%	$ 468,088	724	78.77%


As of the cut-off date, the weighted average note margin of the adjustable rate mortgage loans was approximately 2.4746% per annum.

Maximum Mortgage Rates of the Group 2 Loans
Maximum Mortgage Rate (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
9.000 - 9.999	1	$ 534,750	0.88%	$ 534,750	662	75.00%
10.000 - 10.999	13	5,147,761	8.46	395,982	706	80.02
11.000 - 11.999	70	31,372,874	51.56	448,184	732	79.32
12.000 - 12.999	46	23,796,060	39.11	517,306	720	77.87
Total:	130	$ 60,851,445	100.00%	$ 468,088	724	78.77%


As of the cut-off date, the weighted average maximum mortgage rate of the adjustable rate loans was approximately 11.7352% per annum.

Computational Material for

RALI Series 2005-QA8 Trust

Minimum Mortgage Rates of the Group 2 Loans
Minimum Mortgage Rates (%)	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
2.000 - 2.999	117	$ 54,368,868	89.35%	$ 464,691	724	78.55%
3.000 - 3.999	13	6,482,577	10.65	498,660	732	80.66
Total:	130	$ 60,851,445	100.00%	$ 468,088	724	78.77%


As of the cut-off date, the weighted average minimum mortgage rate of the adjustable rate mortgage loans was approximately 2.4746% per annum

Next Interest Rate Adjustment Date of the Group 2 Loans
Next Interest Adjustment Date	Number of Loans	Principal Balance	% of Principal Balance	Average Principal Balance	Weighted Average Credit Score	Weighted Average Original LTV
Februrary 2008	2	$ 1,009,750	1.66%	$ 504,875	671	75.94%
March 2008	4	1,881,400	3.09	470,350	702	72.01
April 2008	27	11,012,259	18.10	407,861	724	79.21
May 2008	32	17,139,477	28.17	535,609	723	78.89
June 2008	37	16,324,469	26.83	441,202	732	78.61
July 2008	28	13,484,090	22.16

RESIDENTIAL ACCREDIT LOANS INC 8-K