

	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			54,125,204.07				6.50000000		1,771,902.65		293,178.19			2,065,080.84			0.00	0.00			0.00			52,353,301.42


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			10,492,047.97				2.09500033		13.81		18,317.37			18,331.18			0.00	0.00			0.00			10,492,034.16

						1			1																						1
II-A-2			751151AF8	104,890,000.00			55,025,545.60				4.15499996		0.00		190,525.95			190,525.95			0.00	0.00			0.00			55,025,473.16



II-A-3			751151AG6	40,000,000.00			27,878,523.23				6.00000000		190,183.34		139,392.62			329,575.96			0.00	0.00			0.00			27,688,339.89


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			16,551,205.68				1.64499968		21.79		22,688.94			22,710.73			0.00	0.00			0.00			16,551,183.89

						1			1																						1
II-A-6			751151AK7	31,550,000.00			16,551,205.68				0.44999985		0.00		6,206.70			6,206.70			0.00	0.00			0.00			16,551,183.89



II-A-7			751151AL5	53,340,000.00			27,982,291.95				2.04500003		36.84		47,686.49			47,723.33			0.00	0.00			0.00			27,982,255.11

						1			1																						1
II-A-8			751151AM3	53,340,000.00			27,982,291.95				0.29999987		0.00		6,995.57			6,995.57			0.00	0.00			0.00			27,982,255.11



II-A-9			751151AN1	6,367,666.00			6,367,666.00				1.83416655		0.00		9,732.80			9,732.80			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			30,843,502.35				5.00000000		34.26		128,514.59			128,548.85			0.00	0.00			0.00			30,843,468.09


II-A-12			751151AR2	22,368,000.00			17,247,686.51				1.64816678		19.15		23,689.22			23,708.37			0.00	0.00			0.00			17,247,667.36

						1			1																						1
II-A-13			751151AS0	22,368,000.00			17,247,686.51				5.85183317		0.00		84,108.82			84,108.82			0.00	0.00			0.00			17,247,667.36



II-A-14			751151AT8	1,620,458.00			1,620,458.00				24.22893528		0.00		32,718.31			32,718.31			0.00	0.00			0.00			1,620,458.00


II-A-15			751151AU5	40,744,973.00			28,946,150.06				1.89500019		89,003.49		45,710.80			134,714.29			0.00	0.00			0.00			28,857,146.57

						1			1																						1
II-A-16			751151AV3	40,744,973.00			28,946,150.06				5.10500014		0.00		123,141.75			123,141.75			0.00	0.00			0.00			28,857,146.57


						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			30,206,273.00				5.75000000		534,080.81		144,738.39			678,819.20			0.00	0.00			0.00			29,672,192.19

						1			1																						1
II-A-19			751151AY7	14,887,157.30			10,313,708.22				6.50000000		0.00		55,865.92			55,865.92			0.00	0.00			0.00			10,244,294.12

01/09/2009

9:33:41AM

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

December 26, 2008



A-P			751151AZ4	2,005,760.54			1,611,218.84		0.00000000		4,813.14		0.00		4,813.14		0.00	0.00	0.00	1,606,405.70

						1		1													1
A-V			751151BA8	541,291,676.88			378,189,575.76		0.47379355		0.00		149,319.82		149,319.82		0.00	0.00	0.00	372,231,760.51



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		155,384.31		155,384.31		0.00	0.00	0.00	21,801,826.33


M-2			751151BE0	5,683,500.00			5,594,143.18		6.50000000		0.00		125,010.24		125,010.24		523,327.38	0.00	0.00	5,070,815.80


M-3			751151BJ9	4,330,300.00			2,844,378.59		6.50000000		0.00		165,846.45		165,846.45		2,844,378.59	0.00	0.00	0.00


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		378,189,575.76			2,590,109.28		2,471,558.38		5,061,667.66		3,367,705.97		0.00	0.00	372,231,760.51

	1.Notional Balance

01/09/2009

9:33:41AM

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

December 26, 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	541.25204070		17.71902650	2.93178190		20.65080840	0.00000000	0.00000000	523.53301420

	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	524.60239850		0.00069050	0.91586850		0.91655900	0.00000000	0.00000000	524.60170800

	II-A-2	751151AF8	524.60239870		0.00000000	1.81643579		1.81643579	0.00000000	0.00000000	524.60170808

	II-A-3	751151AG6	696.96308075		4.75458350	3.48481550		8.23939900	0.00000000	0.00000000	692.20849725

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

	II-A-5	751151AJ0	524.60239873		0.00069065	0.71914231		0.71983296	0.00000000	0.00000000	524.60170808

	II-A-6	751151AK7	524.60239873		0.00000000	0.19672583		0.19672583	0.00000000	0.00000000	524.60170808

	II-A-7	751151AL5	524.60239876		0.00069066	0.89400994		0.89470060	0.00000000	0.00000000	524.60170810

	II-A-8	751151AM3	524.60239876		0.00000000	0.13115054		0.13115054	0.00000000	0.00000000	524.60170810

	II-A-9	751151AN1	1,000.00000000		0.00000000	1.52847213		1.52847213	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	771.08755875		0.00085650	3.21286475		3.21372125	0.00000000	0.00000000	771.08670225

	II-A-12	751151AR2	771.08755857		0.00085613	1.05906742		1.05992355	0.00000000	0.00000000	771.08670243

	II-A-13	751151AS0	771.08755857		0.00000000	3.76022979		3.76022979	0.00000000	0.00000000	771.08670243

	II-A-14	751151AT8	1,000.00000000		0.00000000	20.19077940		20.19077940	0.00000000	0.00000000	1,000.00000000

	II-A-15	751151AU5	710.42260993		2.18440420	1.12187582		3.30628002	0.00000000	0.00000000	708.23820573

	II-A-16	751151AV3	710.42260993		0.00000000	3.02225627		3.02225627	0.00000000	0.00000000	708.23820573

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

	II-A-18	751151AX9	604.45303728		10.68740813	2.89633744		13.58374558	0.00000000	0.00000000	593.76562915

	II-A-19	751151AY7	692.79231838		0.00000000	3.75262509		3.75262509	0.00000000	0.00000000	688.12963506

	A-P	751151AZ4	803.29571146		2.39965834	0.00000000		2.39965834	0.00000000	0.00000000	800.89605313

	A-V	751151BA8	698.67982811		0.00000000	0.27585833		0.27585833	0.00000000	0.00000000	687.67316478

	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	7.00118546		7.00118546	0.00000000	0.00000000	982.32974362

	M-2	751151BE0	984.27785344		0.00000000	21.99529163		21.99529163	0.00000000	0.00000000	892.19948975

	M-3	751151BJ9	656.85485763		0.00000000	38.29906704		38.29906704	0.00000000	0.00000000	0.00000000

	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

01/09/2009

9:33:41AM

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

December 26, 2008



	Deal Factor :			68.76731648%


	Group I Factor :			61.98554460%


	Group II Factor :			71.08483185%

01/09/2009

9:33:41AM

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

December 26, 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	11/01/2008		11/30/2008		30/360		54,125,204.07		6.50000000	293,178.19		0.00		0.00			0.00		0.00		293,178.19		0.00

I-A-2	11/01/2008		11/30/2008		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	11/01/2008		11/30/2008		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	11/01/2008		11/30/2008		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	11/25/2008		12/24/2008		30/360		10,492,047.97		2.09500033	18,317.37		0.00		0.00			0.00		0.00		18,317.37		0.00

II-A-2	11/25/2008		12/24/2008		30/360		55,025,545.60	1	4.15499996	190,525.95		0.00		0.00			0.00		0.00		190,525.95		0.00


II-A-3	11/01/2008		11/30/2008		30/360		27,878,523.23		6.00000000	139,392.62		0.00		0.00			0.00		0.00		139,392.62		0.00

II-A-4	11/01/2008		11/30/2008		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	11/25/2008		12/24/2008		30/360		16,551,205.68		1.64499968	22,688.94		0.00		0.00			0.00		0.00		22,688.94		0.00

II-A-6	11/25/2008		12/24/2008		30/360		16,551,205.68	1	0.44999985	6,206.70		0.00		0.00			0.00		0.00		6,206.70		0.00


II-A-7	11/25/2008		12/24/2008		30/360		27,982,291.95		2.04500003	47,686.49		0.00		0.00			0.00		0.00		47,686.49		0.00

II-A-8	11/25/2008		12/24/2008		30/360		27,982,291.95	1	0.29999987	6,995.57		0.00		0.00			0.00		0.00		6,995.57		0.00


II-A-9	11/25/2008		12/25/2008		Actual/360		6,367,666.00		1.83416655	9,732.80		0.00		0.00			0.00		0.00		9,732.80		0.00

II-A-10	11/01/2008		11/30/2008		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	11/01/2008		11/30/2008		30/360		30,843,502.35		5.00000000	128,514.59		0.00		0.00			0.00		0.00		128,514.59		0.00

II-A-12	11/25/2008		12/25/2008		Actual/360		17,247,686.51		1.64816678	23,689.22		0.00		0.00			0.00		0.00		23,689.22		0.00

II-A-13	11/25/2008		12/24/2008		30/360		17,247,686.51	1	5.85183317	84,108.82		0.00		0.00			0.00		0.00		84,108.82		0.00


II-A-14	11/25/2008		12/24/2008		30/360		1,620,458.00		24.22893528	32,718.31		0.00		0.00			0.00		0.00		32,718.31		0.00

II-A-15	11/25/2008		12/24/2008		30/360		28,946,150.06		1.89500019	45,710.80		0.00		0.00			0.00		0.00		45,710.80		0.00

II-A-16	11/25/2008		12/24/2008		30/360		28,946,150.06	1	5.10500014	123,141.75		0.00		0.00			0.00		0.00		123,141.75		0.00


II-A-17	11/01/2008		11/30/2008		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	11/01/2008		11/30/2008		30/360		30,206,273.00		5.75000000	144,738.39		0.00		0.00			0.00		0.00		144,738.39		0.00

II-A-19	11/01/2008		11/30/2008		30/360		10,313,708.22	1	6.50000000	55,865.92		0.00		0.00			0.00		0.00		55,865.92		0.00


A-P	11/01/2008		11/30/2008		30/360		1,611,218.84		0.00000000	0.00		0.00		0.00			0.00		0.00		0.00		0.00

A-V	11/01/2008		11/30/2008		30/360		378,189,575.76	1	0.47379355	149,319.82		0.00		0.00			0.00		0.00		149,319.82		0.00


R-I	11/01/2008		11/30/2008		30/360		0.00		6.50000000	0.00		0.00		0.00			0.00		0.00		0.00		0.00

R-II	11/01/2008		11/30/2008		30/360		0.00		6.50000000	0.00		0.00		0.00			0.00		0.00		0.00		0.00

M-1	11/01/2008		11/30/2008		30/360		21,801,826.33		6.50000000	118,093.23		0.00		0.00			0.00		0.00		155,384.31		0.00

M-2	11/01/2008		11/30/2008		30/360		5,594,143.18		6.50000000	30,301.61		0.00		0.00			0.00		0.00		125,010.24		0.00

M-3	11/01/2008		11/30/2008		30/360		2,844,378.59		6.50000000	15,407.05		0.00		0.00			0.00		0.00		165,846.45		0.00

B-1	11/01/2008		11/30/2008		30/360		0.00		6.50000000	0.00		0.00		0.00			0.00		0.00		0.00		91,080.90

B-2	11/01/2008		11/30/2008		30/360		0.00		6.50000000	0.00		0.00		0.00			0.00		0.00		0.00		53,378.17

B-3	11/01/2008		11/30/2008		30/360		0.00		6.50000000	0.00		0.00		0.00			0.00		0.00		0.00		0.00

01/09/2009

9:33:41AM

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

December 26, 2008

Deal Totals

378,189,575.76

2,189,119.27

0.00

2,471,558.38

144,459.07

1.Notional Balance



	Current Index Rates

Index Type		Rate		Classes


BTLIB TEL 25 -2BD		1.39500000	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	20.81		20.81			0.00			0	0.00		18,336.60		5,637.68		21,285.72	0.00	0.00

		Group II	695.73		695.73			0.00			0	0.00		58,382.25		16,685.82		62,039.68	0.00	0.00

		Deal Totals	716.54		716.54			0.00			0	0.00		76,718.85		22,323.50		83,325.40	0.00	0.00


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

01/09/2009

9:33:41AM

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

December 26, 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					359			N/A							46						0				0			0				6				353
		Group I


			Balance/Amount				137,862,642.34							89,156,744.23					45,106.23								(40,769.83)				0.00				N/A			0.00		3,697,498.17						85,454,909.66



			Count								2,173					1,607			N/A							231						5				0			0				16				1,586
		Group II


			Balance/Amount				403,429,034.54							289,032,831.53					165,849.50								(278,907.71)				624,392.33				N/A			0.00		1,744,646.56						286,776,850.85



		Deal Totals	Count							2,685							1,966				N/A					277				5					0		0					22						1,939


			Balance/Amount			541,291,676.88							378,189,575.76							210,955.73						(319,677.54)				624,392.33					N/A		0.00				5,442,144.73			372,231,760.51




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
			7.32437572	7.32999283					330.23			328.88						6.98184183						6.98644834		6.98857344			N/A					N/A

		Group II
			7.22777352	7.22518622					330.87			329.55						6.90397523						6.90143515		6.93300009			N/A					N/A

		Deal Totals
			7.25054712	7.24924714					330.73			329.40						6.92233198						6.92095201		6.94610129			N/A					N/A



C. Constant Prepayment Rate

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


	Group-I		39.52%		26.42%							24.03%											17.71%					18.73%

	Group-II		8.35%		10.80%							11.22%											11.73%					13.54%

	Deal Totals		16.79%		14.73%							14.43%											13.18%					14.83%

01/09/2009

9:33:41AM

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

December 26, 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

01/09/2009

9:33:41AM

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

December 26, 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						1,520				277,654,868.21				10			1,550,093.41								0			0.00				0				0.00							0.00						1,530		279,204,961.62

	30 days					112					22,517,218.69				5			523,461.75								0			0.00				0				0.00							0.00						117		23,040,680.44

	60 days					48					10,733,770.45				4			551,199.97								1			504,286.70				0				0.00							0.00						53		11,789,257.12

	90 days					37					9,613,743.22				2			411,140.55								0			0.00				0				0.00							0.00						39		10,024,883.77

	120 days					10					2,938,693.79				3			353,474.30								8			1,714,672.79				0				0.00							0.00						21		5,006,840.88

	150 days					9					2,305,871.32				4			506,648.72								8			1,847,049.79				1				102,239.01							102,769.31						22		4,761,808.84

	180 days					1					413,812.15				1			425,995.41								8			1,991,138.53				0				0.00							0.00						10		2,830,946.09

	181+ days					6					1,000,151.00				4			302,342.93								81			21,077,991.50				56				13,191,896.32							13,247,783.98						147		35,572,381.75

	Total							1,743			327,178,128.83				33		4,624,357.04								106			27,135,139.31			57					13,294,135.33					13,350,553.29						1,939				372,231,760.51


	Current			78.39%								74.59%			0.52%						0.42%				0.00%				0.00%				0.00%		0.00%							0.00%								78.91%		75.01%

	30 days					5.78%					6.05%				0.26%						0.14%				0.00%				0.00%				0.00%		0.00%							0.00%							6.03%			6.19%

	60 days					2.48%					2.88%				0.21%						0.15%				0.05%				0.14%				0.00%		0.00%							0.00%							2.73%			3.17%

	90 days					1.91%					2.58%				0.10%						0.11%				0.00%				0.00%				0.00%		0.00%							0.00%							2.01%			2.69%

	120 days					0.52%					0.79%				0.15%						0.09%				0.41%				0.46%				0.00%		0.00%							0.00%							1.08%			1.35%

	150 days					0.46%					0.62%				0.21%						0.14%				0.41%				0.50%				0.05%		0.03%							0.03%							1.13%			1.28%

	180 days					0.05%					0.11%				0.05%						0.11%				0.41%				0.53%				0.00%		0.00%							0.00%						0.52%				0.76%

	181+ days					0.31%					0.27%				0.21%					0.08%					4.18%				5.66%				2.89%		3.54%								3.56%						7.58%			9.56%

	Total		89.89%						87.90%					1.70%		1.24%								5.47%				7.29%			2.94%			3.57%						3.58%						100.00%					100.00%

01/09/2009

9:33:41AM

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

December 26, 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						263						60,322,233.54		1		113,041.83					0			0.00				0		0.00			0.00					264			60,435,275.37

30 days					27					6,932,178.41			1			114,005.87					0			0.00				0		0.00			0.00					28			7,046,184.28

60 days					11					3,302,647.11			0			0.00					0			0.00				0		0.00			0.00					11			3,302,647.11

90 days					10					3,015,898.25			0			0.00					0			0.00				0		0.00			0.00					10			3,015,898.25

120 days					2					1,160,000.00			0			0.00					2			410,700.00				0		0.00			0.00					4			1,570,700.00

150 days					4					1,207,021.80			1			141,831.35					2			796,932.29				1		102,239.01			102,769.31					8			2,248,024.45

180 days					0					0.00			0			0.00					3			525,907.86				0		0.00			0.00					3			525,907.86

181+ days					1					94,645.30			0			0.00					12			3,939,407.93				12		3,276,219.11			3,285,734.11					25			7,310,272.34

Total					318					76,034,624.41			3			368,879.05				19				5,672,948.08				13		3,378,458.12				3,388,503.42				353			85,454,909.66


Current				74.50%				70.59%						0.28%		0.13%				0.00%				0.00%				0.00%		0.00%				0.00%				74.79%			70.72%

30 days				7.65%							8.11%		0.28%			0.13%				0.00%				0.00%				0.00%		0.00%				0.00%				7.93%				8.25%

60 days				3.12%							3.86%		0.00%			0.00%				0.00%				0.00%				0.00%		0.00%				0.00%				3.12%		3.86%

90 days				2.83%							3.53%		0.00%			0.00%				0.00%				0.00%				0.00%		0.00%				0.00%				2.83%		3.53%

120 days				0.57%							1.36%		0.00%			0.00%				0.57%				0.48%				0.00%		0.00%				0.00%				1.13%		1.84%

150 days				1.13%							1.41%		0.28%			0.17%				0.57%				0.93%				0.28%		0.12%				0.12%				2.27%		2.63%

180 days				0.00%							0.00%		0.00%			0.00%				0.85%				0.62%				0.00%		0.00%				0.00%				0.85%		0.62%

181+ days				0.28%							0.11%		0.00%			0.00%				3.40%				4.61%				3.40%		3.83%				3.84%				7.08%		8.55%

Total		90.08%							88.98%				0.85%		0.43%				5.38%				6.64%			3.68%			3.95%			3.96%					100.00%		100.00%

01/09/2009

9:33:41AM

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

December 26, 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						1,257						217,332,634.67		9		1,437,051.58					0			0.00				0		0.00			0.00					1,266			218,769,686.25

30 days					85					15,585,040.28			4			409,455.88					0			0.00				0		0.00			0.00					89			15,994,496.16

60 days					37					7,431,123.34			4			551,199.97					1			504,286.70				0		0.00			0.00					42			8,486,610.01

90 days					27					6,597,844.97			2			411,140.55					0			0.00				0		0.00			0.00					29			7,008,985.52

120 days					8					1,778,693.79			3			353,474.30					6			1,303,972.79				0		0.00			0.00					17			3,436,140.88

150 days					5					1,098,849.52			3			364,817.37					6			1,050,117.50				0		0.00			0.00					14			2,513,784.39

180 days					1					413,812.15			1			425,995.41					5			1,465,230.67				0		0.00			0.00					7			2,305,038.23

181+ days					5					905,505.70			4			302,342.93					69			17,138,583.57				44		9,915,677.21			9,962,049.87					122			28,262,109.41

Total					1,425					251,143,504.42			30			4,255,477.99				87				21,462,191.23				44		9,915,677.21				9,962,049.87				1,586			286,776,850.85


Current				79.26%				75.78%						0.57%		0.50%				0.00%				0.00%				0.00%		0.00%				0.00%				79.82%			76.29%

30 days				5.36%							5.43%		0.25%			0.14%				0.00%				0.00%				0.00%		0.00%				0.00%				5.61%				5.58%

60 days				2.33%							2.59%		0.25%			0.19%				0.06%				0.18%				0.00%		0.00%				0.00%				2.65%		2.96%

90 days				1.70%							2.30%		0.13%			0.14%				0.00%				0.00%				0.00%		0.00%				0.00%				1.83%		2.44%

120 days				0.50%							0.62%		0.19%			0.12%				0.38%				0.45%				0.00%		0.00%				0.00%				1.07%		1.20%

150 days				0.32%							0.38%		0.19%			0.13%				0.38%				0.37%				0.00%		0.00%				0.00%				0.88%		0.88%

180 days				0.06%							0.14%		0.06%			0.15%				0.32%				0.51%				0.00%		0.00%				0.00%				0.44%		0.80%

181+ days				0.32%							0.32%		0.25%			0.11%				4.35%				5.98%				2.77%		3.46%				3.47%				7.69%		9.86%

Total		89.85%							87.57%				1.89%		1.48%				5.49%				7.48%			2.77%			3.46%			3.47%					100.00%		100.00%

01/09/2009

9:33:41AM

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

December 26, 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

			117	23,040,680.44			13		2,810,893.22			1		472,000.00			0		0.00			0		0.00
	1 Month				13 Months					25 Months					37 Months					49 Months


			6.03%	6.19%			0.67%	0.76%				0.05%		0.13%			0.00%		0.00%			0.00%		0.00%


			53	11,789,257.12			12		2,168,171.73			1		118,018.91			0		0.00			0		0.00
	2 Months				14 Months					26 Months					38 Months					50 Months


			2.73%	3.17%			0.62%		0.58%			0.05%		0.03%			0.00%		0.00%			0.00%		0.00%


			39	10,024,883.77			11		2,252,687.05			0		0.00			0		0.00			0		0.00
	3 Months				15 Months					27 Months					39 Months					51 Months


			2.01%	2.69%			0.57%		0.61%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%


			21	5,006,840.88			8		888,392.15			0		0.00			0		0.00			0		0.00
	4 Months				16 Months					28 Months					40 Months					52 Months


			1.08%	1.35%			0.41%		0.24%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%


			22	4,761,808.84			2		623,935.00			0		0.00			0		0.00			0		0.00
	5 Months				17 Months					29 Months					41 Months					53 Months


			1.13%	1.28%			0.10%		0.17%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%


			10	2,830,946.09			3		260,571.28			0		0.00			0		0.00			0		0.00
	6 Months				18 Months					30 Months					42 Months					54 Months


			0.52%	0.76%			0.15%		0.07%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%

			22	5,877,772.50			2		195,920.00			0		0.00			0		0.00			0		0.00
	7 Months				19 Months					31 Months					43 Months					55 Months


			1.13%	1.58%			0.10%		0.05%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%

																	0		0.00
			14	3,523,075.37			2		638,498.45			0		0.00								0		0.00

	8 Months				20 Months					32 Months					44 Months					56 Months


			0.72%	0.95%			0.10%		0.17%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%


			12	2,596,753.65			7		2,391,306.98			0		0.00			0		0.00			0		0.00
	9 Months				21 Months					33 Months					45 Months					57 Months


			0.62%	0.70%			0.36%		0.64%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%


			13	3,992,758.07			1		447,990.70			0		0.00			0		0.00			0		0.00
	10 Months				22 Months					34 Months					46 Months					58 Months


			0.67%	1.07%			0.05%		0.12%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%

														0.00					0.00
			13	3,530,397.90			1		230,400.00			0					0					0		0.00

	11 Months				23 Months					35 Months					47 Months					59 Months


			0.67%	0.95%			0.05%		0.06%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%

			9	2,552,838.79			0		0.00			0		0.00			0		0.00			0		0.00
	12 Months				24 Months					36 Months					48 Months					60+ Months


			0.46%	0.69%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%			0.00%		0.00%

01/09/2009

9:33:41AM

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

December 26, 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	4		1,652,991.66	0	0.00	0			0.00		0		0.00	0		0.00	0		0.00	4	1,652,991.66


		Other Modifications	2		448,968.74	0	0.00	0		0.00			1	296,663.37		0		0.00	0		0.00	3	745,632.11



Group II		Capitalizations	20		4,410,384.61	1	88,467.60	0			0.00		0		0.00	0		0.00	0		0.00	21	4,498,852.21


		Other Modifications	6		1,740,197.09	3	916,156.23	3		928,818.01			0	0.00		2		811,586.53	0		0.00	14	4,396,757.86



		Capitalizations		24	6,063,376.27	1	88,467.60		0	0.00			0	0.00		0		0.00	0		0.00	25	6,151,843.87

	Deal Totals
		Other Modifications
				8	2,189,165.83	3	916,156.23		3	928,818.01			1	296,663.37		2		811,586.53	0		0.00	17	5,142,389.97



				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

01/09/2009

9:33:41AM

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

December 26, 2008



13. Losses and Recoveries
A. Current Cycle Realized Losses

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

		Loss Count			11								0					7			0				18


	Group I		Beginning Aggregate Scheduled Balance		3,697,498.17								0.00						2,355,707.02		0.00				6,053,205.19


		Principal Portion of Loss					1,775,555.28							0.00						0.00	0.00					1,775,555.28



		Interest Portion of Loss						30,413.85						0.00						2,250.14	0.00					32,663.99


		Total Realized Loss		1,805,969.13								0.00					2,250.14				0.00	1,808,219.27


		Loss Count			27								6					35			0				68


	Group II		Beginning Aggregate Scheduled Balance		1,345,020.70								399,625.86						8,586,786.59		0.00				10,331,433.15


		Principal Portion of Loss					769,749.19							399,625.86						0.00	0.00					1,169,375.05



		Interest Portion of Loss						77,853.73						28,755.62						15,746.47	0.00					122,355.82


		Total Realized Loss		847,602.92								428,381.48					15,746.47				0.00	1,291,730.87


		Loss Count							38				6					42			0						86


		Beginning Aggregate Scheduled Balance							5,042,518.87				399,625.86					10,942,493.61			0.00						16,384,638.34
	Deal Totals



		Principal Portion of Loss							2,545,304.47				399,625.86					0.00			0.00						2,944,930.33


		Interest Portion of Loss						108,267.58					28,755.62					17,996.61			0.00						155,019.81


		Total Realized Loss					2,653,572.05				428,381.48					17,996.61					0.00			3,099,950.14


B. Cumulative Realized Losses

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


	Group I	Loss Count			25								0					8			0				33


		Total Realized Loss				4,570,891.96								0.00						3,727.39	0.00					4,574,619.35



	Group II	Loss Count			78								16					35			0				129


		Total Realized Loss				5,890,295.76								1,511,065.92						24,208.62	0.00					7,425,570.30



	Deal Totals	Loss Count					103						16					43			0		162


		Total Realized Loss				10,461,187.72							1,511,065.92					27,936.01			0.00		12,000,189.65

01/09/2009

9:33:41AM

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

December 26, 2008



C. Subsequent Recoveries

				Subsequent Recoveries	Current Period								Cumulative


			Subsequent Recoveries Count				2			3
		Group I
			Subsequent Recoveries					5,121.93			6,667.90


			Net Loss 1					1,803,097.34				4,567,951.45


			Net Loss % 2						1.31%					3.31%


			Subsequent Recoveries Count				3			20
		Group II
			Subsequent Recoveries					9,561.35			95,503.45


			Net Loss 1					1,282,169.52				7,330,066.85


			Net Loss % 2						0.32%					1.82%


			Subsequent Recoveries Count					5		23


			Subsequent Recoveries					14,683.28		102,171.35
		Deal Totals


			Net Loss 1					3,085,266.86		11,898,018.30



			Net Loss % 2			0.57%				2.20%

	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	4.15%	1.75%	1.48%		0.86%		0.40%

	I	Constant Default Rate	39.86%	19.13%	16.43%		9.86%		4.69%



	Group	Monthly Default Rate	0.60%	0.64%	0.59%		0.40%		0.19%

	II	Constant Default Rate	7.01%	7.36%	6.86%		4.68%		2.26%



		Monthly Default Rate	1.44%	0.90%	0.80%		0.51%		0.24%

	Deal Totals	Constant Default Rate	15.97%	10.24%	9.21%		5.93%		2.84%



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

01/09/2009

9:33:41AM

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

December 26, 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

December 26, 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%	91.90034163%	100.00000000%



	II	0.00000000%		0.00000000%	91.99117708%	100.00000000%



		Subordinate Class Percentage

	M-1		5.78945283%

	M-2		1.48551904%

	M-3		0.75532184%

	Class M Total:		8.03029371%


	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 93.8069333892586%, Group II 92.433148285352%, The Ending Subordinate Class Percentages are as follows: M-1 5.88244329%, M-2 1.36817833%, M-3 0%, B-1 0%, B-2 0%, B-3 0%,

01/09/2009

9:33:41AM

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

December 26, 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	False

	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

01/09/2009

9:33:41AM

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

December 26, 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.


		Senior principal has been adjusted by $416,866.00 as a reallocation of liquidation proceeds received in prior periods.

	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.

01/09/2009

9:33:41AM

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

December 26, 2008



Cash Flow Received and Uses of Funds


Cash Flow Received	Group I	Group II	Deal

Principal and Interest Payments	946,391.11	2,424,762.63	3,371,153.73
Prepayment Premium	0.00	0.00	0.00
Liquidation and Insurance Proceeds	1,891,529.04	468,662.16	2,360,191.20
Subsequent Recoveries	5,121.93	9,561.35	14,683.28
Repurchase Proceeds	0.00	0.00	0.00
Other Deposits/Adjustments (including Derivative Payment)	20.81	695.73	716.54
Total Deposits	2,843,062.89	2,903,681.87	5,746,744.75

Uses of Funds	Group I	Group II	Deal

Transfer to Certificate Account	2,417,969.29	2,643,698.36	5,061,667.65
Reimbursed Advances and Expenses	419,455.93	243,297.68	662,753.61
Master Servicing Compensation	5,637.68	16,685.82	22,323.50
Derivative Payment	0.00	0.00	0.00
Total Withdrawals	2,843,062.90	2,903,681.86	5,746,744.76

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