

	1. Distribution Summary

		Class	CUSIP		Original Face Value			Beginning Notional / Principal Balance		Pass - Through Rate				Principal Distribution			Interest Distribution		Total Distribution (3) + (4) = (5)		Principal Loss			Interest Loss		Deferred Interest			Ending Notional/ Principal Balance (1)-(3)-(6)+(8)=(9)





								(1)		(2)		(3)				(4)				(5)	(6)		(7)				(8)			(9)

I-A-1			751151AA9	100,000,000.00			55,541,063.49				6.50000000		1,415,859.42		300,847.43			1,716,706.85			0.00	0.00			0.00			54,125,204.07


I-A-2			751151AB7	1,000,000.00			1,000,000.00				6.50000000		0.00		5,416.67			5,416.67			0.00	0.00			0.00			1,000,000.00

						1			1																						1
I-A-3			751151AC5	26,677,000.00			26,677,000.00				0.50000000		0.00		11,115.42			11,115.42			0.00	0.00			0.00			26,677,000.00



I-A-4			751151AD3	26,677,000.00			26,677,000.00				6.00000000		0.00		133,385.00			133,385.00			0.00	0.00			0.00			26,677,000.00


II-A-1			751151AE1	20,000,000.00			10,492,074.34				3.95875045		26.37		34,612.92			34,639.29			0.00	0.00			0.00			10,492,047.97

						1			1																						1
II-A-2			751151AF8	104,890,000.00			55,025,683.86				2.29125011		0.00		105,064.67			105,064.67			0.00	0.00			0.00			55,025,545.60



II-A-3			751151AG6	40,000,000.00			28,241,519.92				6.00000000		362,996.69		141,207.60			504,204.29			0.00	0.00			0.00			27,878,523.23


II-A-4			751151AH4	62,800,000.00			62,800,000.00				6.00000000		0.00		314,000.00			314,000.00			0.00	0.00			0.00			62,800,000.00


II-A-5			751151AJ0	31,550,000.00			16,551,247.27				3.50875019		41.59		48,395.16			48,436.75			0.00	0.00			0.00			16,551,205.68

						1			1																						1
II-A-6			751151AK7	31,550,000.00			16,551,247.27				0.45000016		0.00		6,206.72			6,206.72			0.00	0.00			0.00			16,551,205.68



II-A-7			751151AL5	53,340,000.00			27,982,362.26				3.90875020		70.31		91,146.72			91,217.03			0.00	0.00			0.00			27,982,291.95

						1			1																						1
II-A-8			751151AM3	53,340,000.00			27,982,362.26				0.29999998		0.00		6,995.59			6,995.59			0.00	0.00			0.00			27,982,291.95



II-A-9			751151AN1	6,367,666.00			6,367,666.00				3.51745836		0.00		18,665.00			18,665.00			0.00	0.00			0.00			6,367,666.00


II-A-10			751151AP6	3,600,000.00			3,600,000.00				6.00000000		0.00		18,000.00			18,000.00			0.00	0.00			0.00			3,600,000.00


II-A-11			751151AQ4	40,000,000.00			31,009,760.30				5.00000000		166,257.95		129,207.33			295,465.28			0.00	0.00			0.00			30,843,502.35


II-A-12			751151AR2	22,368,000.00			17,340,657.96				3.34345860		92,971.45		48,314.81			141,286.26			0.00	0.00			0.00			17,247,686.51

						1			1																						1
II-A-13			751151AS0	22,368,000.00			17,340,657.96				4.15654194		0.00		60,064.31			60,064.31			0.00	0.00			0.00			17,247,686.51



II-A-14			751151AT8	1,620,458.00			1,620,458.00				17.61436088		0.00		23,786.11			23,786.11			0.00	0.00			0.00			1,620,458.00


II-A-15			751151AU5	40,744,973.00			29,116,028.10				3.75874991		169,878.04		91,199.89			261,077.93			0.00	0.00			0.00			28,946,150.06

						1			1																						1
II-A-16			751151AV3	40,744,973.00			29,116,028.10				3.24125020		0.00		78,643.61			78,643.61			0.00	0.00			0.00			28,946,150.06


						1			1																						1
II-A-17			751151AW1	50,083,287.23			50,083,287.23				0.50000000		0.00		20,868.04			20,868.04			0.00	0.00			0.00			50,083,287.23



II-A-18			751151AX9	49,972,903.00			30,966,528.00				5.75000000		760,255.00		148,381.28			908,636.28			0.00	0.00			0.00			30,206,273.00

						1			1																						1
II-A-19			751151AY7	14,887,157.30			10,440,351.77				6.50000000		0.00		56,551.91			56,551.91			0.00	0.00			0.00			10,313,708.22

12/04/2008

10:37:18AM

Residential Funding Company, LLC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors

Page 2 of 20

Statement to Certificateholder

Residential Accredit Loans Inc, 2006-QS12

November 25, 2008



A-P			751151AZ4	2,005,760.54			1,646,234.86		0.00000000		35,016.02		0.00		35,016.02		0.00	0.00	0.00	1,611,218.84

						1		1													1
A-V			751151BA8	541,291,676.88			382,233,679.87		0.47402682		0.00		150,990.85		150,990.85		0.00	0.00	0.00	378,189,575.76



R-I			751151BB6	100.00			0.00		6.50000000		0.00		0.00		0.00		0.00	0.00	0.00	0.00


R-II			751151BC4	100.00			0.00		6.50000000		0.00		0.00		0.00		0.00	0.00	0.00	0.00


M-1			751151BD2	22,194,000.00			21,801,826.33		6.50000000		0.00		111,611.05		111,611.05		0.00	6,482.18	0.00	21,801,826.33


M-2			751151BE0	5,683,500.00			5,594,143.18		6.50000000		0.00		0.00		0.00		0.00	30,301.61	0.00	5,594,143.18


M-3			751151BJ9	4,330,300.00			3,885,109.88		6.50000000		0.00		0.00		0.00		1,040,731.29	21,044.35	0.00	2,844,378.59


B-1			751151BF7	2,706,500.00			0.00		6.50000000		0.00		0.00		0.00		0.00	0.00	0.00	0.00


B-2			751151BG5	2,165,200.00			0.00		6.50000000		0.00		0.00		0.00		0.00	0.00	0.00	0.00


B-3			751151BH3	2,165,216.34			0.00		6.50000000		0.00		0.00		0.00		0.00	0.00	0.00	0.00


		Deal Totals			541,291,676.88		382,233,679.89			3,003,372.84		2,154,678.09		5,158,050.93		1,040,731.29		57,828.14	0.00	378,189,575.76

	1.Notional Balance

12/04/2008

10:37:18AM

Residential Funding Company, LLC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors

Page 3 of 20

Statement to Certificateholder

Residential Accredit Loans Inc, 2006-QS12

November 25, 2008



2. Factor Summary
Amount /Original Amount per $1000 unit)

	Class	CUSIP		Beginning Notional/ Principal Balance Factor	Principal Distribution Factor	Interest Distribution Factor	Total Distribution Factor		Deferred Interest Factor	Interest Shortfall Factor	Ending Notional/ Principal Balance Factor




	I-A-1	751151AA9	555.41063490		14.15859420	3.00847430		17.16706850	0.00000000	0.00000000	541.25204070

	I-A-2	751151AB7	1,000.00000000		0.00000000	5.41667000		5.41667000	0.00000000	0.00000000	1,000.00000000

	I-A-3	751151AC5	1,000.00000000		0.00000000	0.41666679		0.41666679	0.00000000	0.00000000	1,000.00000000

	I-A-4	751151AD3	1,000.00000000		0.00000000	5.00000000		5.00000000	0.00000000	0.00000000	1,000.00000000

	II-A-1	751151AE1	524.60371700		0.00131850	1.73064600		1.73196450	0.00000000	0.00000000	524.60239850

	II-A-2	751151AF8	524.60371685		0.00000000	1.00166527		1.00166527	0.00000000	0.00000000	524.60239870

	II-A-3	751151AG6	706.03799800		9.07491725	3.53019000		12.60510725	0.00000000	0.00000000	696.96308075

	II-A-4	751151AH4	1,000.00000000		0.00000000	5.00000000		5.00000000	0.00000000	0.00000000	1,000.00000000

	II-A-5	751151AJ0	524.60371696		0.00131823	1.53391949		1.53523772	0.00000000	0.00000000	524.60239873

	II-A-6	751151AK7	524.60371696		0.00000000	0.19672647		0.19672647	0.00000000	0.00000000	524.60239873

	II-A-7	751151AL5	524.60371691		0.00131815	1.70878740		1.71010555	0.00000000	0.00000000	524.60239876

	II-A-8	751151AM3	524.60371691		0.00000000	0.13115092		0.13115092	0.00000000	0.00000000	524.60239876

	II-A-9	751151AN1	1,000.00000000		0.00000000	2.93121530		2.93121530	0.00000000	0.00000000	1,000.00000000

	II-A-10	751151AP6	1,000.00000000		0.00000000	5.00000000		5.00000000	0.00000000	0.00000000	1,000.00000000

	II-A-11	751151AQ4	775.24400750		4.15644875	3.23018325		7.38663200	0.00000000	0.00000000	771.08755875

	II-A-12	751151AR2	775.24400751		4.15644894	2.15999687		6.31644582	0.00000000	0.00000000	771.08755857

	II-A-13	751151AS0	775.24400751		0.00000000	2.68527852		2.68527852	0.00000000	0.00000000	771.08755857

	II-A-14	751151AT8	1,000.00000000		0.00000000	14.67863407		14.67863407	0.00000000	0.00000000	1,000.00000000

	II-A-15	751151AU5	714.59191052		4.16930059	2.23831023		6.40761082	0.00000000	0.00000000	710.42260993

	II-A-16	751151AV3	714.59191052		0.00000000	1.93014265		1.93014265	0.00000000	0.00000000	710.42260993

	II-A-17	751151AW1	1,000.00000000		0.00000000	0.41666674		0.41666674	0.00000000	0.00000000	1,000.00000000

	II-A-18	751151AX9	619.66638200		15.21334472	2.96923475		18.18257947	0.00000000	0.00000000	604.45303728

	II-A-19	751151AY7	701.29921782		0.00000000	3.79870440		3.79870440	0.00000000	0.00000000	692.79231838

	A-P	751151AZ4	820.75343849		17.45772703	0.00000000		17.45772703	0.00000000	0.00000000	803.29571146

	A-V	751151BA8	706.15103870		0.00000000	0.27894545		0.27894545	0.00000000	0.00000000	698.67982811

	R-I	751151BB6	0.00000000		0.00000000	0.00000000		0.00000000	0.00000000	0.00000000	0.00000000

	R-II	751151BC4	0.00000000		0.00000000	0.00000000		0.00000000	0.00000000	0.00000000	0.00000000

	M-1	751151BD2	982.32974362		0.00000000	5.02888393		5.02888393	0.00000000	0.00000000	982.32974362

	M-2	751151BE0	984.27785344		0.00000000	0.00000000		0.00000000	0.00000000	0.00000000	984.27785344

	M-3	751151BJ9	897.19185276		0.00000000	0.00000000		0.00000000	0.00000000	0.00000000	656.85485763

	B-1	751151BF7	0.00000000		0.00000000	0.00000000		0.00000000	0.00000000	0.00000000	0.00000000

	B-2	751151BG5	0.00000000		0.00000000	0.00000000		0.00000000	0.00000000	0.00000000	0.00000000

	B-3	751151BH3	0.00000000		0.00000000	0.00000000		0.00000000	0.00000000	0.00000000	0.00000000

12/04/2008

10:37:18AM

Residential Funding Company, LLC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors

Page 4 of 20

Statement to Certificateholder

Residential Accredit Loans Inc, 2006-QS12

November 25, 2008



	Deal Factor :			69.86798281%


	Group I Factor :			64.67070609%


	Group II Factor :			71.64403322%

12/04/2008

10:37:18AM

Residential Funding Company, LLC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors

Page 5 of 20

Statement to Certificateholder

Residential Accredit Loans Inc, 2006-QS12

November 25, 2008



4. Interest Summary

Class		Accrual Period			Accrual Methodology	Beginning Notional/Principal Balance			Pass- Through Rate	Optimal Interest Amount		Interest Loss			Deferred Interest		Interest Shortfall Amount		Other Income		Interest Distribution (1)-(2)-(3)- (4)+(5)=(6)		Accrued Certificate Interest Remaining Unpaid






		Start		End							(1)		(2)			(3)		(4)		(5)		(6)
I-A-1	10/01/2008		10/31/2008		30/360		55,541,063.49		6.50000000	300,847.43		0.00		0.00			0.00		0.00		300,847.43		0.00

I-A-2	10/01/2008		10/31/2008		30/360		1,000,000.00		6.50000000	5,416.67		0.00		0.00			0.00		0.00		5,416.67		0.00

I-A-3	10/01/2008		10/31/2008		30/360		26,677,000.00	1	0.50000000	11,115.42		0.00		0.00			0.00		0.00		11,115.42		0.00


I-A-4	10/01/2008		10/31/2008		30/360		26,677,000.00		6.00000000	133,385.00		0.00		0.00			0.00		0.00		133,385.00		0.00

II-A-1	10/25/2008		11/24/2008		30/360		10,492,074.34		3.95875045	34,612.92		0.00		0.00			0.00		0.00		34,612.92		0.00

II-A-2	10/25/2008		11/24/2008		30/360		55,025,683.86	1	2.29125011	105,064.67		0.00		0.00			0.00		0.00		105,064.67		0.00


II-A-3	10/01/2008		10/31/2008		30/360		28,241,519.92		6.00000000	141,207.60		0.00		0.00			0.00		0.00		141,207.60		0.00

II-A-4	10/01/2008		10/31/2008		30/360		62,800,000.00		6.00000000	314,000.00		0.00		0.00			0.00		0.00		314,000.00		0.00

II-A-5	10/25/2008		11/24/2008		30/360		16,551,247.27		3.50875019	48,395.16		0.00		0.00			0.00		0.00		48,395.16		0.00

II-A-6	10/25/2008		11/24/2008		30/360		16,551,247.27	1	0.45000016	6,206.72		0.00		0.00			0.00		0.00		6,206.72		0.00


II-A-7	10/25/2008		11/24/2008		30/360		27,982,362.26		3.90875020	91,146.72		0.00		0.00			0.00		0.00		91,146.72		0.00

II-A-8	10/25/2008		11/24/2008		30/360		27,982,362.26	1	0.29999998	6,995.59		0.00		0.00			0.00		0.00		6,995.59		0.00


II-A-9	10/27/2008		11/24/2008		Actual/360		6,367,666.00		3.51745836	18,665.00		0.00		0.00			0.00		0.00		18,665.00		0.00

II-A-10	10/01/2008		10/31/2008		30/360		3,600,000.00		6.00000000	18,000.00		0.00		0.00			0.00		0.00		18,000.00		0.00

II-A-11	10/01/2008		10/31/2008		30/360		31,009,760.30		5.00000000	129,207.33		0.00		0.00			0.00		0.00		129,207.33		0.00

II-A-12	10/27/2008		11/24/2008		Actual/360		17,340,657.96		3.34345860	48,314.81		0.00		0.00			0.00		0.00		48,314.81		0.00

II-A-13	10/25/2008		11/24/2008		30/360		17,340,657.96	1	4.15654194	60,064.31		0.00		0.00			0.00		0.00		60,064.31		0.00


II-A-14	10/25/2008		11/24/2008		30/360		1,620,458.00		17.61436088	23,786.11		0.00		0.00			0.00		0.00		23,786.11		0.00

II-A-15	10/25/2008		11/24/2008		30/360		29,116,028.10		3.75874991	91,199.89		0.00		0.00			0.00		0.00		91,199.89		0.00

II-A-16	10/25/2008		11/24/2008		30/360		29,116,028.10	1	3.24125020	78,643.61		0.00		0.00			0.00		0.00		78,643.61		0.00


II-A-17	10/01/2008		10/31/2008		30/360		50,083,287.23	1	0.50000000	20,868.04		0.00		0.00			0.00		0.00		20,868.04		0.00


II-A-18	10/01/2008		10/31/2008		30/360		30,966,528.00		5.75000000	148,381.28		0.00		0.00			0.00		0.00		148,381.28		0.00

II-A-19	10/01/2008		10/31/2008		30/360		10,440,351.77	1	6.50000000	56,551.91		0.00		0.00			0.00		0.00		56,551.91		0.00


A-P	10/01/2008		10/31/2008		30/360		1,646,234.86		0.00000000	0.00		0.00		0.00			0.00		0.00		0.00		0.00

A-V	10/01/2008		10/31/2008		30/360		382,233,679.87	1	0.47402682	150,990.85		0.00		0.00			0.00		0.00		150,990.85		0.00


R-I	10/01/2008		10/31/2008		30/360		0.00		6.50000000	0.00		0.00		0.00			0.00		0.00		0.00		0.00

R-II	10/01/2008		10/31/2008		30/360		0.00		6.50000000	0.00		0.00		0.00			0.00		0.00		0.00		0.00

M-1	10/01/2008		10/31/2008		30/360		21,801,826.33		6.50000000	118,093.23		6,482.18		0.00			0.00		0.00		111,611.05		37,291.08

M-2	10/01/2008		10/31/2008		30/360		5,594,143.18		6.50000000	30,301.61		30,301.61		0.00			0.00		0.00		0.00		94,708.63

M-3	10/01/2008		10/31/2008		30/360		3,885,109.88		6.50000000	21,044.35		21,044.35		0.00			0.00		0.00		0.00		150,439.40

B-1	10/01/2008		10/31/2008		30/360		0.00		6.50000000	0.00		0.00		0.00			0.00		0.00		0.00		91,080.90

B-2	10/01/2008		10/31/2008		30/360		0.00		6.50000000	0.00		0.00		0.00			0.00		0.00		0.00		53,378.17

B-3	10/01/2008		10/31/2008		30/360		0.00		6.50000000	0.00		0.00		0.00			0.00		0.00		0.00		0.00

12/04/2008

10:37:18AM

Residential Funding Company, LLC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors

Page 6 of 20

Statement to Certificateholder

Residential Accredit Loans Inc, 2006-QS12

November 25, 2008

Deal Totals

382,233,679.89

2,212,506.23

57,828.14

0.00

2,154,678.09

426,898.18

1.Notional Balance



	Current Index Rates

Index Type		Rate		Classes


BTLIB TEL 25 -2BD		3.25875000	II-A-1, II-A-2, II-A-5, II-A-7, II-A-9, II-A-13, II-A-15, II-A-16, II-A-14, II-A-12, II-A-8, II-A-6


	6. Interest Shortfalls, Compensation and Expenses

				Current Prepayment Interest Shortfall Amount		Compensating Interest			Net Prepayment Interest Shortfall Amount (1) - (2)=(3)		Civil Relief Act Shortfall Count	Civil Relief Act Shortfall Amount	Compensation				Advances by Master Servicer		Allowable Expenses per Governing Documents	Non - Recoverable Advances






				(1)			(2)			(3)			Subservicer		Master Servicer


		Group I	451.97		451.97			0.00			0	0.00		19,232.56		5,299.35		23,314.55	0.00	0.00

		Group II	1,318.17		1,318.17			0.00			0	0.00		58,791.96		16,566.48		65,994.92	0.00	0.00

		Deal Totals	1,770.14		1,770.14			0.00			0	0.00		78,024.52		21,865.83		89,309.47	0.00	0.00


Advances are made for delinquent loans and are reimbursed from borrower collections and liquidation proceeds as reported herein

12/04/2008

10:37:18AM

Residential Funding Company, LLC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors

Page 7 of 20

Statement to Certificateholder

Residential Accredit Loans Inc, 2006-QS12

November 25, 2008



8. Collateral Summary

A. Loan Count and Balances

								Original Loan Count/ Scheduled Principal Balance							Beginning Loan Count/ Scheduled Principal Balance						Scheduled Principal				Curtailments					Payoffs					Matured Loans		Repurchases			Beginning Aggregate Scheduled Principal Balance of Liquidations/ Charge-offs					Ending Loan Count/Scheduled Principal Balance




			Count								512					366			N/A							44						3				0			0				4				359
		Group I


			Balance/Amount				137,862,642.34							90,822,049.66					45,689.37								2,038.30				931,901.40				N/A			0.00		685,676.36						89,156,744.23



			Count								2,173					1,620			N/A							233						6				0			0				7				1,607
		Group II


			Balance/Amount				403,429,034.54							291,411,630.21					164,306.98								(7,589.85)				807,069.07				N/A			0.00		1,415,012.48						289,032,831.53



		Deal Totals	Count							2,685							1,986				N/A					277				9					0		0					11						1,966


			Balance/Amount			541,291,676.88							382,233,679.87							209,996.35						(5,551.55)				1,738,970.47					N/A		0.00				2,100,688.84			378,189,575.76




B. Weighted Averages

			Beginning Weighted Average Gross Mortgage Rate	Ending Weighted Average Gross Mortgage Rate					Ending Weighted Average Remaining Amortization Term			Ending Weighted Average Months to Maturity						Beginning Weighted Average Net Mortgage Rate						Ending Weighted Average Net Mortgage Rate		Beginning Weighted Average Unmodified Net Mortgage Rate			Net Weighted Average Cap Rate				Weighted Average Net Rate

		Group I
			7.33083731	7.32984981					331.38			330.32						6.98867622						6.98731592		6.98991188			N/A					N/A

		Group II
			7.23945109	7.23893518					330.95			330.59						6.91517913						6.91513689		6.93235642			N/A					N/A

		Deal Totals
			7.26116525	7.26036795					331.05			330.53						6.93264268						6.93215282		6.94603210			N/A					N/A



C. Constant Prepayment Rate

			1 Month CPR		3 Month CPR							6 Month CPR										12 Month CPR						Life CPR


	Group-I		19.43%		21.78%							17.39%											15.96%					17.80%

	Group-II		8.75%		12.10%							11.23%											11.90%					13.73%

	Deal Totals		11.40%		14.51%							12.75%											12.89%					14.75%

12/04/2008

10:37:18AM

Residential Funding Company, LLC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors

Page 8 of 20

Statement to Certificateholder

Residential Accredit Loans Inc, 2006-QS12

November 25, 2008



9. Repurchases

			Breaches Of Representations and Warranties			ARM Conversions		Optional Repurchases of Defaulted Loans		Others		Total (1)+(2)+(3)+(4)=(5)
				(1)	(2)		(3)			(4)		(5)
		Count				0			0		0		0
				0


	Group I
		Scheduled Balance		0.00		0.00			0.00		0.00			0.00


		Count				0			0		0		0
				0


	Group II
		Scheduled Balance		0.00		0.00			0.00		0.00			0.00



		Count		0		0			0		0		0
	Deal Totals


		Scheduled Balance		0.00		0.00			0.00		0.00		0.00

12/04/2008

10:37:18AM

Residential Funding Company, LLC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors

Page 9 of 20

Statement to Certificateholder

Residential Accredit Loans Inc, 2006-QS12

November 25, 2008


10. Loan Status Report
													Delinquency Calculation Method: Mortgage Bankers Association

					Current / Delinquent																	Bankruptcy								Foreclosure								REO																Total
	Deal Totals

		Count								Scheduled Balance					Count				Scheduled Balance				Count				Scheduled Balance					Count			Scheduled Balance				Actual Balance						Count								Scheduled Balance

	Current						1,545				282,865,126.86				11			1,631,670.95								0			0.00				0				0.00							0.00						1,556		284,496,797.81

	30 days					106					22,206,373.68				2			226,968.87								0			0.00				0				0.00							0.00						108		22,433,342.55

	60 days					54					12,096,962.06				4			619,360.83								0			0.00				0				0.00							0.00						58		12,716,322.89

	90 days					20					5,271,319.24				2			210,537.90								2			851,114.88				0				0.00							0.00						24		6,332,972.02

	120 days					12					3,057,822.15				5			650,172.71								15			2,980,107.77				1				102,328.80							102,769.31						33		6,790,431.43

	150 days					2					544,955.29				0			0.00								10			2,681,614.77				0				0.00							0.00						12		3,226,570.06

	180 days					2					175,973.16				1			95,117.31								20			5,429,517.31				0				0.00							0.00						23		5,700,607.78

	181+ days					4					715,500.10				5			450,670.01								82			21,177,038.66				61				14,149,322.45							14,205,824.45						152		36,492,531.22

	Total							1,745			326,934,032.54				30		3,884,498.58								129			33,119,393.39			62					14,251,651.25					14,308,593.76						1,966				378,189,575.76


	Current			78.59%								74.79%			0.56%						0.43%				0.00%				0.00%				0.00%		0.00%							0.00%								79.15%		75.23%

	30 days					5.39%					5.87%				0.10%						0.06%				0.00%				0.00%				0.00%		0.00%							0.00%							5.49%			5.93%

	60 days					2.75%					3.20%				0.20%						0.16%				0.00%				0.00%				0.00%		0.00%							0.00%							2.95%			3.36%

	90 days					1.02%					1.39%				0.10%						0.06%				0.10%				0.23%				0.00%		0.00%							0.00%							1.22%			1.67%

	120 days					0.61%					0.81%				0.25%						0.17%				0.76%				0.79%				0.05%		0.03%							0.03%							1.68%			1.80%

	150 days					0.10%					0.14%				0.00%						0.00%				0.51%				0.71%				0.00%		0.00%							0.00%							0.61%			0.85%

	180 days					0.10%					0.05%				0.05%						0.03%				1.02%				1.44%				0.00%		0.00%							0.00%						1.17%				1.51%

	181+ days					0.20%					0.19%				0.25%					0.12%					4.17%				5.60%				3.10%		3.74%								3.75%						7.73%			9.65%

	Total		88.76%						86.45%					1.53%		1.03%								6.56%				8.76%			3.15%			3.77%						3.78%						100.00%					100.00%

12/04/2008

10:37:18AM

Residential Funding Company, LLC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors

Page 10 of 20

Statement to Certificateholder

Residential Accredit Loans Inc, 2006-QS12

November 25, 2008



			Current / Delinquent											Bankruptcy						Foreclosure					REO											Total
Group I

	Count						Scheduled Balance							Count			Scheduled Balance	Count				Scheduled Balance					Count			Scheduled Balance	Actual Balance				Count					Scheduled Balance


Current						271						62,536,369.17		2		227,303.07					0			0.00				0		0.00			0.00					273			62,763,672.24

30 days					24					6,281,590.64			0			0.00					0			0.00				0		0.00			0.00					24			6,281,590.64

60 days					14					3,596,152.27			0			0.00					0			0.00				0		0.00			0.00					14			3,596,152.27

90 days					5					2,381,832.14			0			0.00					1			346,828.18				0		0.00			0.00					6			2,728,660.32

120 days					3					1,078,483.43			1			141,957.97					2			796,932.29				1		102,328.80			102,769.31					7			2,119,702.49

150 days					1					130,756.57			0			0.00					3			525,907.86				0		0.00			0.00					4			656,664.43

180 days					0					0.00			0			0.00					2			820,593.76				0		0.00			0.00					2			820,593.76

181+ days					0					0.00			0			0.00					17			6,553,027.89				12		3,636,680.19			3,645,611.21					29			10,189,708.08

Total					318					76,005,184.22			3			369,261.04				25				9,043,289.98				13		3,739,008.99				3,748,380.52				359			89,156,744.23


Current				75.49%				70.14%						0.56%		0.25%				0.00%				0.00%				0.00%		0.00%				0.00%				76.04%			70.40%

30 days				6.69%							7.05%		0.00%			0.00%				0.00%				0.00%				0.00%		0.00%				0.00%				6.69%				7.05%

60 days				3.90%							4.03%		0.00%			0.00%				0.00%				0.00%				0.00%		0.00%				0.00%				3.90%		4.03%

90 days				1.39%							2.67%		0.00%			0.00%				0.28%				0.39%				0.00%		0.00%				0.00%				1.67%		3.06%

120 days				0.84%							1.21%		0.28%			0.16%				0.56%				0.89%				0.28%		0.11%				0.12%				1.95%		2.38%

150 days				0.28%							0.15%		0.00%			0.00%				0.84%				0.59%				0.00%		0.00%				0.00%				1.11%		0.74%

180 days				0.00%							0.00%		0.00%			0.00%				0.56%				0.92%				0.00%		0.00%				0.00%				0.56%		0.92%

181+ days				0.00%							0.00%		0.00%			0.00%				4.74%				7.35%				3.34%		4.08%				4.08%				8.08%		11.43%

Total		88.58%							85.25%				0.84%		0.41%				6.96%				10.14%			3.62%			4.19%			4.20%					100.00%		100.00%

12/04/2008

10:37:18AM

Residential Funding Company, LLC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors

Page 11 of 20

Statement to Certificateholder

Residential Accredit Loans Inc, 2006-QS12

November 25, 2008



			Current / Delinquent											Bankruptcy						Foreclosure					REO											Total
Group II

	Count						Scheduled Balance							Count			Scheduled Balance	Count				Scheduled Balance					Count			Scheduled Balance	Actual Balance				Count					Scheduled Balance


Current						1,274						220,328,757.69		9		1,404,367.88					0			0.00				0		0.00			0.00					1,283			221,733,125.57

30 days					82					15,924,783.04			2			226,968.87					0			0.00				0		0.00			0.00					84			16,151,751.91

60 days					40					8,500,809.79			4			619,360.83					0			0.00				0		0.00			0.00					44			9,120,170.62

90 days					15					2,889,487.10			2			210,537.90					1			504,286.70				0		0.00			0.00					18			3,604,311.70

120 days					9					1,979,338.72			4			508,214.74					13			2,183,175.48				0		0.00			0.00					26			4,670,728.94

150 days					1					414,198.72			0			0.00					7			2,155,706.91				0		0.00			0.00					8			2,569,905.63

180 days					2					175,973.16			1			95,117.31					18			4,608,923.55				0		0.00			0.00					21			4,880,014.02

181+ days					4					715,500.10			5			450,670.01					65			14,624,010.77				49		10,512,642.26			10,560,213.24					123			26,302,823.14

Total					1,427					250,928,848.32			27			3,515,237.54				104				24,076,103.41				49		10,512,642.26				10,560,213.24				1,607			289,032,831.53


Current				79.28%				76.23%						0.56%		0.49%				0.00%				0.00%				0.00%		0.00%				0.00%				79.84%			76.72%

30 days				5.10%							5.51%		0.12%			0.08%				0.00%				0.00%				0.00%		0.00%				0.00%				5.23%				5.59%

60 days				2.49%							2.94%		0.25%			0.21%				0.00%				0.00%				0.00%		0.00%				0.00%				2.74%		3.16%

90 days				0.93%							1.00%		0.12%			0.07%				0.06%				0.17%				0.00%		0.00%				0.00%				1.12%		1.25%

120 days				0.56%							0.68%		0.25%			0.18%				0.81%				0.76%				0.00%		0.00%				0.00%				1.62%		1.62%

150 days				0.06%							0.14%		0.00%			0.00%				0.44%				0.75%				0.00%		0.00%				0.00%				0.50%		0.89%

180 days				0.12%							0.06%		0.06%			0.03%				1.12%				1.59%				0.00%		0.00%				0.00%				1.31%		1.69%

181+ days				0.25%							0.25%		0.31%			0.16%				4.04%				5.06%				3.05%		3.64%				3.65%				7.65%		9.10%

Total		88.80%							86.82%				1.68%		1.22%				6.47%				8.33%			3.05%			3.64%			3.65%					100.00%		100.00%

12/04/2008

10:37:18AM

Residential Funding Company, LLC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors

Page 12 of 20

Statement to Certificateholder

Residential Accredit Loans Inc, 2006-QS12

November 25, 2008



11. Delinquency Data

			Totals				Totals					Totals					Totals					Totals
		Count % Count		Balance % Balance		Count % Count		Balance % Balance			Count % Count		Balance % Balance			Count % Count		Balance % Balance			Count % Count		Balance % Balance

			108	22,433,342.55			13		2,259,034.60			1		118,114.93			0		0.00			0		0.00
	1 Month				13 Months					25 Months					37 Months					49 Months


			5.49%	5.93%			0.66%	0.60%				0.05%		0.03%			0.00%		0.00%			0.00%		0.00%


			58	12,716,322.89			13		3,182,652.17			0		0.00			0		0.00			0		0.00
	2 Months				14 Months					26 Months					38 Months					50 Months


			2.95%	3.36%			0.66%		0.84%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%


			24	6,332,972.02			9		1,105,564.26			0		0.00			0		0.00			0		0.00
	3 Months				15 Months					27 Months					39 Months					51 Months


			1.22%	1.67%			0.46%		0.29%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%


			33	6,790,431.43			2		623,935.00			0		0.00			0		0.00			0		0.00
	4 Months				16 Months					28 Months					40 Months					52 Months


			1.68%	1.80%			0.10%		0.16%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%


			12	3,226,570.06			6		1,435,916.83			0		0.00			0		0.00			0		0.00
	5 Months				17 Months					29 Months					41 Months					53 Months


			0.61%	0.85%			0.31%		0.38%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%


			23	5,700,607.78			3		316,021.97			0		0.00			0		0.00			0		0.00
	6 Months				18 Months					30 Months					42 Months					54 Months


			1.17%	1.51%			0.15%		0.08%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%

			16	4,163,576.16			2		638,779.89			0		0.00			0		0.00			0		0.00
	7 Months				19 Months					31 Months					43 Months					55 Months


			0.81%	1.10%			0.10%		0.17%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%

																	0		0.00
			13	3,284,205.17			8		2,474,759.28			0		0.00								0		0.00

	8 Months				20 Months					32 Months					44 Months					56 Months


			0.66%	0.87%			0.41%		0.65%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%


			18	4,569,128.84			2		896,740.70			0		0.00			0		0.00			0		0.00
	9 Months				21 Months					33 Months					45 Months					57 Months


			0.92%	1.21%			0.10%		0.24%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%


			15	3,676,301.45			1		230,400.00			0		0.00			0		0.00			0		0.00
	10 Months				22 Months					34 Months					46 Months					58 Months


			0.76%	0.97%			0.05%		0.06%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%

														0.00					0.00
			13	2,911,083.84			0		0.00			0					0					0		0.00

	11 Months				23 Months					35 Months					47 Months					59 Months


			0.66%	0.77%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%

			16	4,134,316.13			1		472,000.00			0		0.00			0		0.00			0		0.00
	12 Months				24 Months					36 Months					48 Months					60+ Months


			0.81%	1.09%			0.05%		0.12%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%

12/04/2008

10:37:18AM

Residential Funding Company, LLC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors

Page 13 of 20

Statement to Certificateholder

Residential Accredit Loans Inc, 2006-QS12

November 25, 2008



12. Loss Mitigation and Servicing Modifications


			Current			1 Payment		2 Payments					3+ Payments			Foreclosure				REO		Total

		Modification Type	Count		Scheduled Balance	Count	Scheduled Balance	Count				Scheduled Balance	Count	Scheduled Balance		Count	Scheduled Balance			Count	Scheduled Balance	Count	Scheduled Balance


Group I		Capitalizations	0		0.00	0	0.00	0			0.00		0		0.00	0		0.00	0		0.00	0	0.00


		Other Modifications	1		151,712.59	0	0.00	1		296,953.16			0	0.00		0		0.00	0		0.00	2	448,665.75



Group II		Capitalizations	5		1,196,123.70	1	548,129.33	0			0.00		0		0.00	0		0.00	0		0.00	6	1,744,253.03


		Other Modifications	1		603,879.44	3	839,495.15	0		0.00			0	0.00		1		504,286.70	0		0.00	5	1,947,661.29



		Capitalizations		5	1,196,123.70	1	548,129.33		0	0.00			0	0.00		0		0.00	0		0.00	6	1,744,253.03

	Deal Totals
		Other Modifications
				2	755,592.03	3	839,495.15		1	296,953.16			0	0.00		1		504,286.70	0		0.00	7	2,396,327.04



				Payoffs									Repurchases					Liquidations									Total

		Current Month					Cumulative					Current Month			Cumulative			Current Month			Cumulative					Current Month					Cumulative
Modification Type

		Count				Scheduled Balance		Count		Scheduled Balance	Count			Scheduled Balance	Count	Scheduled Balance	Count		Scheduled Balance		Count		Scheduled Balance		Count				Scheduled Balance		Count	Scheduled Balance


Group I	Capitalizations		0		0.00			0	0.00			0		0.00	0	0.00	0		0.00		0	0.00			0			0.00			0	0.00



	Other Modifications		0		0.00			0	0.00			0		0.00	0	0.00	0		0.00		0	0.00			0			0.00			0	0.00




Group II	Capitalizations		0		0.00			0	0.00			0		0.00	0	0.00	0		0.00		0	0.00			0			0.00			0	0.00



	Other Modifications		0		0.00			0	0.00			0		0.00	0	0.00	0		0.00		0	0.00			0			0.00			0	0.00




Deal Totals	Capitalizations		0		0.00			0	0.00			0		0.00	0	0.00	0		0.00	0		0.00		0				0.00		0		0.00


	Other Modifications
			0		0.00			0	0.00			0		0.00	0	0.00	0		0.00	0		0.00		0				0.00		0		0.00

12/04/2008

10:37:18AM

Residential Funding Company, LLC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors

Page 14 of 20

Statement to Certificateholder

Residential Accredit Loans Inc, 2006-QS12

November 25, 2008



13. Losses and Recoveries
A. Current Cycle Realized Losses

			Current Period Realized Losses		Liquidations					Charge-Offs					Servicing Modifications						Bankruptcy Losses	Total

		Loss Count			5								0					2			0				7


	Group I		Beginning Aggregate Scheduled Balance		685,676.36								0.00						449,097.88		0.00				1,134,774.24


		Principal Portion of Loss					244,369.38							0.00						0.00	0.00					244,369.38



		Interest Portion of Loss						13,463.37						0.00						93.52	0.00					13,556.89


		Total Realized Loss		257,832.75								0.00					93.52				0.00	257,926.27


		Loss Count			17								2					11			0				30


	Group II		Beginning Aggregate Scheduled Balance		1,328,773.77								86,238.71						3,584,836.50		0.00				4,999,848.98


		Principal Portion of Loss					705,802.22							86,238.71						0.00	0.00					792,040.93



		Interest Portion of Loss						49,338.42						7,574.03						6,571.38	0.00					63,483.83


		Total Realized Loss		755,140.64								93,812.74					6,571.38				0.00	855,524.76


		Loss Count							22				2					13			0						37


		Beginning Aggregate Scheduled Balance							2,014,450.13				86,238.71					4,033,934.38			0.00						6,134,623.22
	Deal Totals



		Principal Portion of Loss							950,171.60				86,238.71					0.00			0.00						1,036,410.31


		Interest Portion of Loss						62,801.79					7,574.03					6,664.90			0.00						77,040.72


		Total Realized Loss					1,012,973.39				93,812.74					6,664.90					0.00			1,113,451.03


B. Cumulative Realized Losses

			Cumulative Realized Losses		Liquidations					Charge-Offs					Servicing Modifications						Bankruptcy Losses	Total


	Group I	Loss Count			20								0					3			0				23


		Total Realized Loss				2,764,922.83								0.00						1,477.25	0.00					2,766,400.08



	Group II	Loss Count			67								11					11			0				89


		Total Realized Loss				5,042,692.84								1,082,684.44						8,462.15	0.00					6,133,839.43



	Deal Totals	Loss Count					87						11					14			0		112


		Total Realized Loss				7,807,615.67							1,082,684.44					9,939.40			0.00		8,900,239.51

12/04/2008

10:37:18AM

Residential Funding Company, LLC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors

Page 15 of 20

Statement to Certificateholder

Residential Accredit Loans Inc, 2006-QS12

November 25, 2008



C. Subsequent Recoveries

				Subsequent Recoveries	Current Period								Cumulative


			Subsequent Recoveries Count				0			1
		Group I
			Subsequent Recoveries					0.00			1,545.97


			Net Loss 1					257,926.27				2,764,854.11


			Net Loss % 2						0.19%					2.01%


			Subsequent Recoveries Count				6			18
		Group II
			Subsequent Recoveries					14,891.61			85,942.10


			Net Loss 1					840,633.15				6,047,897.33


			Net Loss % 2						0.21%					1.50%


			Subsequent Recoveries Count					6		19


			Subsequent Recoveries					14,891.61		87,488.07
		Deal Totals


			Net Loss 1					1,098,559.42		8,812,751.44



			Net Loss % 2			0.20%				1.63%

	1 Total Realized Loss less Subsequent Recoveries
	2 Net Loss % of Original Balance



D. Default Percentages

	Default Loss Percentage		1 Month	3 Months		6 Months		12 Months		Life of Deal

	Group	Monthly Default Rate	0.76%	0.93%	0.79%		0.55%		0.25%

	I	Constant Default Rate	8.70%	10.59%	9.03%		6.36%		2.99%



	Group	Monthly Default Rate	0.49%	0.66%	0.51%		0.36%		0.17%

	II	Constant Default Rate	5.68%	7.59%	6.00%		4.25%		2.07%



		Monthly Default Rate	0.55%	0.72%	0.58%		0.41%		0.19%

	Deal Totals	Constant Default Rate	6.40%	8.32%	6.74%		4.76%		2.29%



1-Month MDR (Current Month) = SUM(Beginning Scheduled balances of liquidating loans) / [SUM(Beginning Scheduled loan balances)- SUM(Scheduled Principal payments)] m-Month = 3, 6, 12, months or the life of deal to date m-Month MDR(over m months in period where n is current month)= 1-[(1-MDRn-m+1) * (1-MDRn-m+2) . (1-MDR n-1) * (1-MDRn)]^(1/m) CDRm = 1- [(1- MDRm)^12],where m is number of months in period

12/04/2008

10:37:18AM

Residential Funding Company, LLC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors

Page 16 of 20

Statement to Certificateholder

Residential Accredit Loans Inc, 2006-QS12

November 25, 2008

E. Special Hazard, Fraud Loss, and Bankruptcy

Special Hazard Amount

Fraud Loss Amount

Bankruptcy Amount

Deal Totals

4,540,877.40

9,032,872.59

178,393.00

14. Credit Enhancement Report

Reserve Accounts

DEPOSITS

WITHDRAWALS

Ending
Balance

Description

Source

Beginning
Balance

Investment
Earnings

Other
Deposits

Draws

Releases

RESERVE FUND ACCT ON YMA

Credit Suisse

0.00

Hedge Agreements

Description

Provider

Termination
Date

Amount Received From Provider

Amount Paid to Provider

CLASS II-A-5 Yield Maintenance Agreement

Credit Suisse

04/25/2018

0.00

CLASS II-A-1 Yield Maintenance Agreement

Credit Suisse

01/25/2009

0.00

CLASS II-A-7 Yield Maintenance Agreement

Residential Funding Company, LLC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors

Page 17 of 20

Statement to Certificateholder

Residential Accredit Loans Inc, 2006-QS12

November 25, 2008



15. Distribution Percentages


		Beginning Current Super Senior Percentage		Beginning Current Senior Support Percentage	Beginning Current Senior Percentage		Beginning Current Senior Accelerated Percentage

	I	0.00000000%		0.00000000%	91.77534494%	100.00000000%



	II	0.00000000%		0.00000000%	91.78256271%	100.00000000%



		Subordinate Class Percentage

	M-1		5.72846704%

	M-2		1.46987066%

	M-3		1.02081924%

	Class M Total:		8.21915694%


	B-1		0.00000000%

	B-2		0.00000000%

	B-3		0.00000000%

	Class B Total:		0.00000000%


	The Ending Senior Percentages are as follows: Group I 91.9003416332138%, Group II 91.9911770742959% The Ending Subordinate Class Percentages are as follows: M-1 5.78945283%, M-2 1.48551904%, M-3 0.75532184%, B-1 0%, B-2 0%, B-3 0%

12/04/2008

10:37:18AM

Residential Funding Company, LLC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors

Page 18 of 20

Statement to Certificateholder

Residential Accredit Loans Inc, 2006-QS12

November 25, 2008


18. Performance Tests


	Current Distribution Date >= Target Distribution

		Current Distribution Date >= Target Distribution Date	False

	Current Senior Pct > Initial Senior Percent

		Current Senior Percentage > Original Senior Percentage	False

	60+ Dlq Avg Loan Balance / Subordinate Balance

		Dlq Average Loan Balance / Class M and B balance Test	False

	60+ Dlq Avg Loan Balance <= 2% of Pool Balance

		Dlq Average Loan Balance Test	False

	Sub Balance Test OR 2% Delinquency Test

		Dlq Balance Test	False

	Aggregate Realized Loss Pct < Scheduled Loss Pct

		Aggregate Realized Loss Test	True

	Sr. Accel. % Trigger - 1st Trigger Event

		1st Senior Accelerated Stepdown Test	False

	60+ Dlq Avg Loan Balance <= 4% of Avg Pool Balance

		2nd 60+ Delinquent Average Loan Balance Test	False

	Aggregate Realized Loss Pct < Scheduled Loss Pct

		Aggregate Realized Loss Percentage < 2nd Scheduled Loss Percentage	False

	Sr. Accel. % Trigger - 2nd Trigger Event

		2nd Senior Accelerated Stepdown Test	False

	60+ Delinq Balance OR Aggregate Loss Test

		1st or 2nd Sr. Accel Stepdown Test	False

	Senior Accelerated Stepdown Date and Trigger Event

		Senior Accelerated Stepdown Trigger in effect?	False

12/04/2008

10:37:18AM

Residential Funding Company, LLC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors

Page 19 of 20

Statement to Certificateholder

Residential Accredit Loans Inc, 2006-QS12

November 25, 2008



B-1, B-2, B-3 BegBal/PoolBal

	Class B-1 Prepayment Distribution Trigger	True

	Class B-2 Prepayment Distribution Trigger	True

	Class B-3 Prepayment Distribution Trigger	True

	Class M-2 Prepayment Distribution Trigger	True

	Class M-3 Prepayment Distribution Trigger	True



20. Comments

	Comments:	For all Loan Groups together and for each separately, where applicable, the Credit Support Depletion Date has not occurred.


	ERISA Text:		Each beneficial owner of any Certificate (or any interest therein) which provides credit enhancement for any other Certificate and is available in book-entry form, including any such

			Class M Certificate, shall be deemed to have represented, by virtue of its acquisition or holding of such Certificate (or interest therein), that either: a) it is not an employee benefit
			or other plan subject to the prohibited transaction provision of the Employee Retirement Income Security Act of 1974, as amended('ERISA'), or Section 4975 of the Internal Revenue
			Code of 1986, as amended (a 'Plan'), or any other person (including an investment manager, a named fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of
			purchasing any Certificate with 'plan assets' of any Plan; or b) (i) the transferee is an insurance company, (ii) the source of funds to be used by it to purchase the Certificates is an
			'insurance company general account' (within the meaning of Department of Labor Prohibited Transaction Class Exemption ('PTCE') 95-60), and (iii) the conditions set forth in
			Section I and III of PTCE 95-60 have been satisfied. Any purported beneficial owner of any such book-entry Certificate (or interest therein) to whom either (a) or (b) above does not
			apply shall indemnify and hold harmless the Company, the Trustee, the Master Servicer, any Subservicer, and the Trust Fund from and against any and all liabilities, claim, cost or
			expenses incurred by such parties as a result of its acquisition or holding of such Certificate.

12/04/2008

10:37:18AM

Residential Funding Company, LLC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors

Page 20 of 20



Statement To Certificateholder




Residential Accredit Loans Inc., 2006-QS12

November 25, 2008



Cash Flow Received and Uses of Funds


Cash Flow Received	Group I	Group II	Deal

Principal and Interest Payments	1,567,157.97	2,865,568.64	4,432,726.60
Prepayment Premium	0.00	0.00	0.00
Liquidation and Insurance Proceeds	427,843.61	566,059.10	993,902.71
Subsequent Recoveries	0.00	14,891.61	14,891.61
Repurchase Proceeds	0.00	0.00	0.00
Other Deposits/Adjustments (including Derivative Payment)	451.97	1,318.17	1,770.14
Total Deposits	1,995,453.55	3,447,837.52	5,443,291.06

Uses of Funds	Group I	Group II	Deal

Transfer to Certificate Account	1,936,410.95	3,221,639.98	5,158,050.93
Reimbursed Advances and Expenses	53,743.27	209,631.10	263,374.37
Master Servicing Compensation	5,299.35	16,566.48	21,865.83
Derivative Payment	0.00	0.00	0.00
Total Withdrawals	1,995,453.57	3,447,837.56	5,443,291.13

Ending Balance	0.00	0.00	0.00



		GMAC-RFC, 2255 North Ontario Street, Suite 400, Burbank, CA 91504, 818.260.1400, www.gmacrfc.com/investors	Appendix A

RALI Series 2008-QR1 Trust 10-D