8-K 1 cwt528cb_8k0508.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 25, 2005 CWT (Depositor) (Issuer in respect of Countrywide Home Loans, Countrywide Alternative Loan (Exact name of registrant as specified in charter) Delaware 33-63714 95-4449516 (State or other (Commission File No.) (I.R.S. Employer jurisdiction of Identification No.) organization) , , N/A 91110-7137 (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, including area code: (818)-304-4428 Not Applicable (Former name, former address and former fiscal year, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions. []Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) []Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) []Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) []Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Section 8 - Other Events Item 8.01 Other Events Section 9 - Financial Statements and Exhibits Item 9.01 Financial Statements and Exhibits SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. Dated: August 25, 2005 CWT By: /s/ Cirino Emanuele ------------------------------ Name: Cirino Emanuele Vice President The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated August 25, 2005 Payment Date: 08/25/05 ------------------------------------------------------------ Independent National Mortgage Corporation Countrywide Home Loans, Countrywide Alternative Loan Trust Series 2005-28CB ------------------------------------------------------------

Class Information Current Payment Information ---------------------------------------------------------------------------------------------------------------------------------- Beginning Pass Thru Principal Interest Total Principal Interest Type Class Code Name Cert. Bal. Rate Dist. Amt. Dist. Amt. Dist. Losses Shortfalls ---------------------------------------------------------------------------------------------------------------------------------- Senior 1A1 29,~~294~~188,~~000~~571.0076 3.~~400000~~760000% ~~105~~671,~~428~~984.2487 8291,~~999~~457.6752 ~~188~~763,~~427~~442.9140 0.00 0.00 1A2 20,000,000.00 34.~~850000~~210000% 0.00 6470,166.67 6470,166.67 0.00 0.00 1A3 49,~~294~~188,~~000~~571.0076 1.~~650000~~290000% 0.00 6752,~~779~~877.2571 6752,~~779~~877.2571 0.00 0.00 1A4 35,631,600.00 5.500000% 0.00 163,311.50 163,311.50 0.00 0.00 1A5 ~~108~~106,~~074~~784,000.00 5.500000% 1,290,000.00 ~~495~~489,~~339~~426.1767 1,~~785~~779,~~339~~426.1767 0.00 0.00 1A6 50,400,000.00 5.500000% 0.00 231,000.00 231,000.00 0.00 0.00 1A7 2,~~477~~488,~~000~~352.0092 5.500000% 0.00 0.00 0.00 0.00 0.00 1A8 29,~~294~~188,~~000~~571.0076 0.450000% 0.00 10,~~985~~945.2571 10,~~985~~945.2571 0.00 0.00 1A9 ~~150~~149,~~000~~727,~~000~~428.0051 34.~~650000~~010000% ~~272~~1,~~571~~913,947.4973 ~~456~~500,~~250~~339.0016 ~~728~~2,~~821~~414,286.4989 0.00 0.00 110 ~~150~~149,~~000~~727,~~000~~428.0051 1.~~850000~~490000% 0.00 ~~231~~185,~~250~~911.0056 ~~231~~185,~~250~~911.0056 0.00 0.00 111 4,395,400.00 5.500000% 0.00 20,145.58 20,145.58 0.00 0.00 2A1 5049,~~430~~307,~~000~~705.0059 3.~~500000~~860000% 1,~~122~~002,~~294~~961.4117 ~~147~~158,~~087~~606.5045 1,~~269~~161,~~381~~567.9163 0.00 0.00 2A2 8583,~~430~~528,~~000~~798.0010 21.~~250000~~890000% 0.00 ~~160~~131,~~181~~557.2586 ~~160~~131,~~181~~557.2586 0.00 0.00 2A3 3,369,800.00 5.750000% 0.00 16,146.96 16,146.96 0.00 0.00 2A4 14,148,500.00 5.750000% 0.00 67,794.90 67,794.90 0.00 0.00 2A5 4746,~~250~~675,000.00 5.750000% 575,000.00 ~~226~~223,~~406~~651.2504 ~~801~~798,~~406~~651.2504 0.00 0.00 2A6 16,~~739~~717,~~000~~288.0096 5.000000% 21,~~711~~815.0407 69,~~745~~655.8337 91,~~456~~470.8744 0.00 0.00 2A7 4,~~531~~552,~~000~~711.0004 5.750000% 0.00 0.00 0.00 0.00 0.00 2A8 3534,~~000~~221,~~000~~092.0052 3.~~500000~~860000% ~~778~~696,~~907~~086.48 ~~102~~110,~~083~~077.3385 ~~880~~806,~~990~~164.8232 0.00 0.00 2A9 3,331,500.00 5.750000% 0.00 15,963.44 15,963.44 0.00 0.00 210 2,~~183~~180,~~347~~515.0095 5.750000% 0.00 10,~~461~~448.8731 10,~~461~~448.8731 0.00 0.00 3A1 4341,~~878~~133,~~000~~572.0068 3.~~350000~~710000% 2,~~744~~093,~~427~~059.3204 ~~122~~127,~~492~~171.7530 2,~~866~~220,~~920~~230.0734 0.00 0.00 3A2 7573,~~878~~133,~~000~~572.0068 21.~~200000~~840000% 0.00 ~~139~~112,~~109~~138.6714 ~~139~~112,~~109~~138.6714 0.00 0.00 3A3 32,000,000.00 34.~~800000~~160000% 0.00 ~~101~~110,~~333~~933.33 ~~101~~110,~~333~~933.33 0.00 0.00 3A4 4341,~~878~~133,~~000~~572.0068 0.450000% 0.00 1615,~~454~~425.2509 1615,~~454~~425.2509 0.00 0.00 3A5 4443,~~000~~475,000.00 6.000000% 525,000.00 ~~220~~217,~~000~~375.00 ~~745~~742,~~000~~375.00 0.00 0.00 3A6 5,~~763~~792,~~600~~418.00 6.000000% 0.00 0.00 0.00 0.00 0.00 3A7 14,000,000.00 6.000000% 0.00 70,000.00 70,000.00 0.00 0.00 4A1 42,~~208~~057,~~500~~542.0067 5.000000% ~~150~~307,~~957~~123.3345 175,~~868~~239.7576 ~~326~~482,~~826~~363.0821 0.00 0.00 4A2 42,~~208~~057,~~500~~542.0067 5.500000% ~~150~~307,~~957~~123.3345 ~~193~~192,~~455~~763.6374 ~~344~~499,~~412~~887.9519 0.00 0.00 PO-1 ~~768~~755,~~756~~525.9971 0.000000% 137,~~231~~516.2886 0.00 137,~~231~~516.2886 0.00 0.00 Residual AR ~~100~~0.00 5.500000% ~~100~~0.00 0.47 ~~100~~0.47 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M 19,~~366~~350,~~500~~961.0093 5.~~615497~~615583% 1520,~~538~~993.0719 90,~~627~~555.1178 ~~106~~111,~~165~~548.1797 0.00 0.00 B1 7,~~999~~992,~~000~~582.0027 5.~~615497~~615583% 68,~~417~~670.7388 37,~~431~~402.9751 4346,~~849~~073.7038 0.00 0.00 B2 4,~~631~~627,~~000~~284.0047 5.~~615497~~615583% 35,~~715~~019.5398 21,~~671~~654.1408 2526,~~386~~674.6706 0.00 0.00 B3 4,~~631~~627,~~000~~284.0047 5.~~615497~~615583% 35,~~715~~019.5398 21,~~671~~654.1408 2526,~~386~~674.6706 0.00 0.00 B4 3,~~368~~365,~~000~~297.0080 5.~~615497~~615583% 23,~~702~~650.2090 15,~~760~~748.8342 1819,~~463~~399.0332 0.00 0.00 B5 2,~~105~~103,~~054~~365.3442 5.~~615497~~615583% 12,~~688~~281.9287 9,~~850~~843.7702 1112,~~539~~124.6989 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~841~~834,~~999~~277,~~811~~329.3338 - 79,~~784~~457,~~363~~254.9193 3,~~874~~837,~~826~~388.2198 1113,~~659~~294,~~190~~643.1292 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 2928,~~188~~516,~~571~~586.7689 0.00 1A2 20,000,000.00 0.00 1A3 4948,~~188~~516,~~571~~586.7689 0.00 1A4 35,631,600.00 0.00 1A5 ~~106~~105,~~784~~494,000.00 0.00 1A6 50,400,000.00 0.00 1A7 2,~~488~~499,~~352~~757.9287 0.00 1A8 2928,~~188~~516,~~571~~586.7689 0.00 1A9 ~~149~~147,~~727~~813,~~428~~480.5177 0.00 110 ~~149~~147,~~727~~813,~~428~~480.5177 0.00 111 4,395,400.00 0.00 2A1 4948,~~307~~304,~~705~~744.5942 0.00 2A2 8381,~~528~~829,~~798~~750.1045 0.00 2A3 3,369,800.00 0.00 2A4 14,148,500.00 0.00 2A5 46,~~675~~100,000.00 0.00 2A6 16,~~717~~695,~~288~~473.9688 0.00 2A7 4,~~552~~574,~~711~~526.0412 0.00 2A8 3433,~~221~~525,~~092~~006.5204 0.00 2A9 3,331,500.00 0.00 210 2,~~180~~177,~~515~~670.9551 0.00 3A1 4139,~~133~~040,~~572~~513.6863 0.00 3A2 7371,~~133~~040,~~572~~513.6863 0.00 3A3 32,000,000.00 0.00 3A4 4139,~~133~~040,~~572~~513.6863 0.00 3A5 4342,~~475~~950,000.00 0.00 3A6 5,~~792~~821,~~418~~380.0009 0.00 3A7 14,000,000.00 0.00 4A1 4241,~~057~~750,~~542~~419.6722 0.00 4A2 4241,~~057~~750,~~542~~419.6722 0.00 PO-1 ~~755~~748,~~525~~008.7185 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M 19,~~350~~329,~~961~~968.9374 0.00 B1 7,~~992~~983,~~582~~911.2739 0.00 B2 4,~~627~~622,~~284~~264.4749 0.00 B3 4,~~627~~622,~~284~~264.4749 0.00 B4 3,~~365~~361,~~297~~646.8090 0.00 B5 2,~~103~~101,~~365~~083.4255 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~834~~824,~~277~~882,~~329~~256.3856 - --------------------------------------------------------------------------------

Payment Date: 08/25/05 ------------------------------------------------------------ Independent National Mortgage Corporation Countrywide Home Loans, Countrywide Alternative Loan Trust Series 2005-28CB ------------------------------------------------------------

Class Information Current Payment Information Factors per $1,000 ------------------------------------------------------------------------------------------------------------------------ Beginning Pass Thru CUSIP Principal Interest Ending Cert./ Type Class Code Name Cert. Bal.(Face) Rate Numbers Dist. Dist. Notional Bal. ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Senior 1A1 29,~~294~~188,~~000~~571.0076 3.~~400000~~760000% 12667GWQ2 322.~~598970~~939335 23.~~833333~~122057 ~~996~~973.~~401030~~461695 1A2 20,000,000.00 34.~~850000~~210000% 12667GWR0 0.000000 3.~~208333~~508333 1,000.000000 1A3 49,~~294~~188,~~000~~571.0076 1.~~650000~~290000% 12667GWS8 0.000000 1.~~375000~~072701 ~~997~~984.~~861236~~229052 1A4 35,631,600.00 5.500000% 12667GWT6 0.000000 4.583333 1,000.000000 1A5 ~~108~~106,~~074~~784,000.00 5.500000% 12667GWU3 11.936266 4.~~583333~~528625 ~~988~~976.~~063734~~127468 1A6 50,400,000.00 5.500000% 12667GWV1 0.000000 4.583333 1,000.000000 1A7 2,~~477~~488,~~000~~352.0092 5.500000% 12667GWW9 0.000000 0.000000 1,~~004~~009.~~583333~~187674 1A8 29,~~294~~188,~~000~~571.0076 0.450000% 12667GWX7 0.000000 0.~~375000~~373650 ~~996~~973.~~401030~~461695 1A9 ~~150~~149,~~000~~727,~~000~~428.0051 34.~~650000~~010000% 12667GWY5 112.~~817143~~759652 3.~~041667~~335594 ~~998~~985.~~182857~~423205 110 ~~150~~149,~~000~~727,~~000~~428.0051 1.~~850000~~490000% 12667GWZ2 0.000000 1.~~541667~~239410 ~~998~~985.~~182857~~423205 111 4,395,400.00 5.500000% 12667GE82 0.000000 4.583333 1,000.000000 2A1 5049,~~430~~307,~~000~~705.0059 3.~~500000~~860000% 12667GXA6 2219.~~254500~~888185 23.~~916667~~145081 ~~977~~957.~~745500~~857315 2A2 8583,~~430~~528,~~000~~798.0010 21.~~250000~~890000% 12667GXB4 0.000000 1.~~875000~~539949 ~~977~~957.~~745500~~857315 2A3 3,369,800.00 5.750000% 12667GXC2 0.000000 4.791667 1,000.000000 2A4 14,148,500.00 5.750000% 12667GXD0 0.000000 4.791667 1,000.000000 2A5 4746,~~250~~675,000.00 5.750000% 12667GXE8 12.169312 4.~~791667~~733355 ~~987~~975.~~830688~~661376 2A6 16,~~739~~717,~~000~~288.0096 5.000000% 12667GXF5 1.~~297033~~303248 4.~~166667~~161262 ~~998~~997.~~702967~~399718 2A7 4,~~531~~552,~~000~~711.0004 5.750000% 12667GYF4 0.000000 0.000000 1,~~004~~009.~~791667~~606293 2A8 3534,~~000~~221,~~000~~092.0052 3.~~500000~~860000% 12667GYG2 2219.~~254500~~888185 23.~~916667~~145081 ~~977~~957.~~745500~~857315 2A9 3,331,500.00 5.750000% 12667GYH0 0.000000 4.791667 1,000.000000 210 2,~~183~~180,~~347~~515.0095 5.750000% 12667GE90 0.000000 4.~~791667~~785454 ~~998~~997.~~703344~~400096 3A1 4341,~~878~~133,~~000~~572.0068 3.~~350000~~710000% 12667GYJ6 6247.~~546773~~701788 2.~~791667~~898293 ~~937~~889.~~453227~~751439 3A2 7573,~~878~~133,~~000~~572.0068 21.~~200000~~840000% 12667GYK3 0.000000 1.~~833333~~477874 ~~963~~936.~~831053~~246522 3A3 32,000,000.00 34.~~800000~~160000% 12667GYL1 0.000000 3.~~166667~~466667 1,000.000000 3A4 4341,~~878~~133,~~000~~572.0068 0.450000% 12667GYM9 0.000000 0.~~375000~~351545 ~~937~~889.~~453227~~751439 3A5 4443,~~000~~475,000.00 6.000000% 12667GYN7 11.931818 54.~~000000~~940341 ~~988~~976.~~068182~~136364 3A6 5,~~763~~792,~~600~~418.00 6.000000% 12667GYP2 0.000000 0.000000 1,~~005~~010.~~000000~~025000 3A7 14,000,000.00 6.000000% 12667GYQ0 0.000000 5.000000 1,000.000000 4A1 42,~~208~~057,~~500~~542.0067 5.000000% 12667GYR8 37.~~576468~~276341 4.~~166667~~151765 ~~996~~989.~~423532~~147191 4A2 42,~~208~~057,~~500~~542.0067 5.500000% 12667GF24 37.~~576468~~276341 4.~~583333~~566941 ~~996~~989.~~423532~~147191 PO-1 ~~768~~755,~~756~~525.9971 0.000000% 12667GYS6 179.~~211261~~777946 0.000000 ~~982~~973.~~788739~~010793 Residual AR ~~100~~0.00 5.500000% 12667GYT4 ~~1,000~~0.000000 4.~~700000~~718317 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M 19,~~366~~350,~~500~~961.0093 5.~~615497~~615583% 12667GYU1 01.~~802317~~083995 4.~~679581~~675898 ~~999~~998.~~197683~~113688 B1 7,~~999~~992,~~000~~582.0027 5.~~615497~~615583% 12667GYV9 01.~~802317~~083995 4.~~679581~~675898 ~~999~~998.~~197683~~113688 B2 4,~~631~~627,~~000~~284.0047 5.~~615497~~615583% 12667GYW7 01.~~802317~~083995 4.~~679581~~675898 ~~999~~998.~~197683~~113688 B3 4,~~631~~627,~~000~~284.0047 5.~~615497~~615583% 12667GXG3 01.~~802317~~083995 4.~~679581~~675898 ~~999~~998.~~197683~~113688 B4 3,~~368~~365,~~000~~297.0080 5.~~615497~~615583% 12667GXH1 01.~~802317~~083995 4.~~679581~~675898 ~~999~~998.~~197683~~113688 B5 2,~~105~~103,~~054~~365.3442 5.~~615497~~615583% 12667GXJ7 01.~~802317~~083995 4.~~679581~~675898 ~~999~~998.~~197683~~113688 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~841~~834,~~999~~277,~~811~~329.3338 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Independent National Mortgage Corporation Countrywide Home Loans, Countrywide Alternative Loan Trust Series 2005-28CB ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 416,431,111.10 179,235,006.45 141,160,725.54 Loan count 2435 1109 761 Avg loan rate 6.108819% 6.528881% 6.713942% Prepay amount 3,504,719.79 2,132,877.44 2,531,650.94 Total ----- Prin balance 88,055,413.47 824,882,256.56 Loan count 586 4891 Avg loan rate 5.684108% 6.26 Prepay amount 312,517.16 8,481,765.33 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 85,361.81 36,615.88 28,752.65 Sub servicer fees 0.00 0.00 0.00 Trustee fees 3,152.37 1,361.37 1,078.18 Agg advances N/A N/A N/A Adv this period 6,427.47 8,230.99 6,527.07 Total ----- Master serv fees 18,476.49 169,206.83 Sub servicer fees 0.00 0.00 Trustee fees 665.15 6,257.08 Agg advances N/A N/A Adv this period 1,660.83 22,846.36 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Total ----- Realized losses 0.00 0.00 Cumulative losses 0.00 0.00 Coverage Amounts ---------------- Bankruptcy 0.00 0.00 0.00 Fraud 8,440,000.00 3,679,996.23 2,940,000.00 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 0.00 0.00 Fraud 1,780,000.00 16,839,996.23 Special Hazard 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 94.962893% 100.000000% 792,210,553.02 ----------------------------------------------------------------------------- Junior 5.037107% 0.000000% 42,021,139.57 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 40 7,511,350.74 60 to 89 days 1 129,155.32 90 or more 2 225,500.00 Foreclosure 0 0.00 Totals: 43 7,866,006.06 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- REO INFORMATION -------------------------------------------------------------------------------- REO Date Loan Number Ending Stated Balance Book Value -------- ----------- --------------------- ---------- N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A Totals: 0 N/A Current Total Outstanding Balance: 0.00 Current Total Outstanding Number of Loans: 0 -------------------------------------------------------------------------------- OTHER INFORMATION -------------------------------------------------------------------------------- Amount/Withdrawal Total/Ending Bal. ----------------- ----------------- Available remittance amount 13,294,643.92 13,294,643.92 Principal remittance amount 9,457,254.93 9,457,254.93 Interest remittance amount 3,837,388.98 3,837,388.98

Filing Compare · ALTERNATIVE LOAN TRUST 2005-28CB