Home Equity Loan-Backed Term Notes, GMACM Series 2000-HE1 Group 1
Payment Date 07/25/2000
<TABLE>
<CAPTION>
Servicing Certificate
Beginning Pool Balance 223,283,090.96
Beginning PFA 0.00
Ending Pool Balance 221,406,230.51
Ending PFA Balance -
Principal Collections 10,954,858.21
Principal Draws 5,887,093.78
Net Principal Collections -
Active Loan Count 8,887
Interest Collections 1,894,532.25
Weighted Average Net Loan Rate 10.58804%
Substitution Adjustment Amount 0.00
Note Rate 6.90125%
Term Notes Amount Factor
---------- ------ ------
<S> <C> <C>
Beginning Balance 225,000,000.00 1.0000000
Ending Balance 225,000,000.00 1.0000000
Principal - 0.0000000
Interest 1,250,851.56 5.5593403
Interest Shortfall 0.00 0.0000000
Security Percentage 100.00%
Variable Funding Notes Amount
---------------------- ------
Beginning Balance 0.00
Ending Balance 0.00
Principal 0.00
Interest 0.00
Interest Shortfall 0.00
Security Percentage 0.00%
Certificates 0.00
Beginning Overcollateralization Amount 1,887,145.55
Overcollateralization Amount Increase (Decrease) 617,258.27
Outstanding Overcollateralization Amount 2,504,403.82
Credit Enhancement Draw Amount 0.00
Unreimbursed Prior Draws 0.00
Number Percent
Balance of Loans of Balance
Delinquent Loans (30 Days) 950,209.23 40 0.43%
Delinquent Loans (60 Days) 480,303.84 15 0.22%
Delinquent Loans (90+ Days) (1) 320,468.94 12 0.14%
Foreclosed Loans - 0 0.00%
REO 0.00 0 0.00%
(1) 90+ Figures Include Foreclosures, REO and Bankruptcies
Liquidation
To-Date
Beginning Loss Amount 0.00
Current Month Loss Amount 0.00
Ending Loss Amount 0.00
Special Hazard Fraud Bankruptcy
Beginning Amount 0.00 0.00 0.00
Current Month Loss Amount 0.00 0.00 0.00
Ending Amount
- - -
Liquidation Loss Distribution Amounts 0.00
Extraordinary Event Losses 0.00
Excess Loss Amounts 0.00
Capitalized Interest Account
Beginning Balance 0.00
Withdraw relating to Collection Period 0.00
Interest Earned (Zero, Paid to Funding Account) 0.00
----
Total Ending Capitalized Interest Account Balance as of 0.00
Payment Date
Interest earned for Collection Period 0.00
Interest withdrawn related to prior Collection Period 0.00
Funding Account
Beginning Funding Account Balance 3,604,054.59
Deposit to Funding Account 5,685,022.70
Payment for Additional Purchases (3,190,903.98)
Ending Funding Account Balance as of Payment Date 6,098,173.31
Interest earned for Collection Period 1,702.58
Interest withdrawn related to prior Collection Period -
Prefunding Account
Beginning Balance 0.00
Additional Purchases during Revolving Period 0.00
Excess of Draws over Principal Collections 0.00
----
Total Ending Balance as of Payment Date 0.00
Interest earned for Collection Period 0.00
Interest withdrawn related to prior Collection Period 0.00
Reserve Account
Beginning Balance 0.00
Deposits to Reserve Account for current Payment Date 0.00
Withdrawals from Reserve Account for current Payment Date 0.00
----
Total Ending Reserve Account Balance as of current Payment 0.00
Date
Interest earned for Collection Period 0.00
Interest withdrawn related to prior Collection Period 0.00
</TABLE>
<PAGE>
Home Equity Loan-Backed Term Notes, GMACM Series 2000-HE1 Group 2
Payment Date 07/25/2000
<TABLE>
<CAPTION>
<S> <C> <C>
Servicing Certificate
Beginning Pool Balance 22,983,807.91
Beginning PFA 0.00
Ending Pool Balance 22,797,007.55
Ending PFA Balance -
Principal Collections 2,619,702.64
Principal Draws 832,974.47
Net Principal Collections -
Active Loan Count 346
Interest Collections 189,133.94
Weighted Average Net Loan Rate 9.58918%
Substitution Adjustment Amount 0.00
Note Rate 6.93125%
Term Notes Amount Factor
---------- ------ ------
Beginning Balance 25,000,000.00 1.0000000
Ending Balance 25,000,000.00 1.0000000
Principal - 0.0000000
Interest 139,587.67 5.5835068
Interest Shortfall 0.00 0.0000000
Security Percentage 100.00%
Variable Funding Notes Amount
---------------------- ------
Beginning Balance 0.00
Ending Balance 0.00
Principal 0.00
Interest 0.00
Interest Shortfall 0.00
Security Percentage 0.00%
Certificates 0.00
Beginning Overcollateralization Amount 90,405.84
Overcollateralization Amount Increase (Decrease) 47,416.44
Outstanding Overcollateralization Amount 137,822.27
Credit Enhancement Draw Amount 0.00
Unreimbursed Prior Draws 0.00
Number Percent
Balance of Loans of Balance
Delinquent Loans (30 Days) 100,537.07 1 0.44%
Delinquent Loans (60 Days) - 0 0.00%
Delinquent Loans (90+ Days) (1) - 0 0.00%
Foreclosed Loans 0 0.00%
REO 0.00 0 0.00%
(1) 90+ Figures Include Foreclosures, REO, and Bankruptcies
Liquidation To-Date
Beginning Loss Amount 0.00
Current Month Loss Amount 0.00
Ending Loss Amount 0.00
Special Hazard Fraud Bankruptcy
Beginning Amount 0.00 0.00 0.00
Current Month Loss Amount 0.00 0.00 0.00
Ending Amount
- - -
Liquidation Loss Distribution Amounts 0.00
Extraordinary Event Losses 0.00
Excess Loss Amounts 0.00
Capitalized Interest Account
Beginning Balance 0.00
Withdraw relating to prior month Collection Period 0.00
Interest Earned (Zero, Paid to Funding Account) 0.00
----
Total Ending Capitalized Interest Account Balance 0.00
Interest earned for Collection Period 0.00
Interest withdrawn related to prior Collection Period 0.00
Funding Account
Beginning Funding Account Balance 2,106,597.93
Deposit to Funding Account 1,834,144.61
Payment for Additional Purchases (1,599,927.81)
Ending Funding Account Balance 2,340,814.72
Interest earned for Collection Period 995.17
Interest withdrawn related to prior Collection Period 3,584.83
Prefunding Account
Beginning Balance 0.00
Additional Purchases during Revolving Period 0.00
Excess of Draws over Principal Collections 0.00
----
Total Ending Balance 0.00
Interest earned for Collection Period 0.00
Interest withdrawn related to prior Collection Period 0.00
Reserve Account
Beginning Balance 0.00
Deposits to Reserve Account for current Payment Date 0.00
Withdrawals from Reserve Account for current Payment Date 0.00
----
Total Ending Reserve Account Balance as of current Payment Date 0.00
Interest earned for Collection Period 0.00
Interest withdrawn related to prior Collection Period 0.00
</TABLE>
<PAGE>
Home Equity Loan-Backed Term Notes, GMACM Series 2000-HE1 Group 3
Payment Date 07/25/2000
<TABLE>
<CAPTION>
<S> <C> <C>
Servicing Certificate
Beginning Pool Balance 49,296,848.89
Beginning PFA 0.00
Ending Pool Balance 48,974,651.39
Ending PFA Balance -
Principal Collections 1,209,642.70
Principal Draws -
Net Principal Collections 1,209,642.70
Active Loan Count 1,862
Interest Collections 423,860.48
Weighted Average Net Loan Rate 9.74619%
Substitution Adjustment Amount 0.00
Note Rate 7.9500%
Term Notes Amount Factor
---------- ------ ------
Beginning Balance 50,000,000.00 1.0000000
Ending Balance 48,577,583.56 0.9715517
Principal 1,422,416.44 28.4483287
Interest 331,250.00 6.6250000
Interest Shortfall 0.00 0.0000000
Security Percentage 100.00%
Variable Funding Notes Amount
---------------------- ------
Beginning Balance 0.00
Ending Balance 0.00
Principal 0.00
Interest 0.00
Interest Shortfall 0.00
Security Percentage 0.00%
Certificates 0.00
Beginning Overcollateralization Amount 310,228.62
Overcollateralization Amount Increase (Decrease) 86,839.21
Outstanding Overcollateralization Amount 397,067.83
Credit Enhancement Draw Amount 0.00
Unreimbursed Prior Draws 0.00
Number Percent
Balance of Loans of Balance
Delinquent Loans (30 Days) 114,435.91 6 0.23%
Delinquent Loans (60 Days) 18,645.07 1 0.04%
Delinquent Loans (90+ Days) (1) - 0 0.00%
Foreclosed Loans - 0 0.00%
REO 0.00 0 0.00%
(1) 90+ Figures Include Foreclosures, REO, and
Bankruptcies
Liquidation
To-Date
Beginning Loss Amount 0.00
Current Month Loss Amount 0.00
Ending Loss Amount 0.00
Special Hazard Fraud Bankruptcy
Beginning Amount 0.00 0.00 0.00
Current Month Loss Amount 0.00 0.00 0.00
Ending Amount - - -
Liquidation Loss Distribution Amounts 0.00
Extraordinary Event Losses 0.00
Excess Loss Amounts 0.00
Capitalized Interest Account
Beginning Balance 0.00
Withdraw relating to prior month Collection Period 0.00
Interest Earned (Zero, Paid to Funding Account) 0.00
----
Total Ending Capitalized Interest Account Balance 0.00
Interest Withdrawn for prior Collection Period 0.00
Funding Account
Beginning Funding Account Balance 1,013,379.73
Funding Account balance sent to Noteholders (125,934.53)
Payment for Additional Purchases (887,445.20)
Ending Funding Account Balance -
Interest Earned for current Collection Period 478.73
Interest Withdrawn for prior Collection Period 2,408.30
Prefunding Account
Beginning Balance 0.00
Additional Purchases during Revolving Period 0.00
Excess of Draws over Principal Collections 0.00
----
Total Ending Balance 0.00
Interest Earned for current Collection Period 0.00
Interest Withdrawn for prior Collection Period 0.00
Reserve Account
Beginning Balance 0.00
Deposits to Reserve Account for current Payment Date 0.00
Withdrawals from Reserve Account for current Payment Date 0.00
----
Total Ending Reserve Account Balance as of current 0.00
Payment Date
Interest Earned for current Collection Period 0.00
Interest Withdrawn for prior Collection Period 0.00
</TABLE>