FORM 10-Q

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                   (Mark One)

|X| QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES  EXCHANGE
                                  ACT OF 1934

                For the quarterly period ended December 31, 2004

                                       OR

|_|TRANSITION  REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
                                  ACT OF 1934

             For the transition period from ________ to ___________

                       Commission file number: 333-107181


                 WNC HOUSING TAX CREDIT FUND VI, L.P., Series 12
             (Exact name of registrant as specified in its charter)

                   California                                     72-1566910
                 (State or other jurisdiction of               (I.R.S. Employer
               incorporation or organization)                Identification No.)



                              17782 Sky Park Circle
                              Irvine, CA 92614-6404
                    (Address of principal executive offices)

                                 (714) 662-5565
                               (Telephone number)

                                       N/A
                                       ---
(Former  name,  former  address and former  fiscal year,  if changed  since last
report)

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the  preceding 12 months (or for such  shorter  period that the  registrant  was
required  to file  such  reports),  and  (2) has  been  subject  to such  filing
requirements for the past 90 days.
Yes    X       No
    ---------    ---------

Indicate by check mark whether the registrant is an accelerated filer (as
defined in rule 12b-2 of the Exchange Act).
Yes           No     X
    ---------    ---------


<PAGE>


                 WNC HOUSING TAX CREDIT FUND VI, L.P., SERIES 12
                       (A California Limited Partnership)
                        (A Development Stage Enterprise)


                               INDEX TO FORM 10-Q

                                December 31, 2004



PART I. FINANCIAL INFORMATION

     Item 1. Financial Statements

              Balance Sheet, December 31, 2004.................................3

              Notes to Balance Sheet...........................................4

     Item 2.  Management's Discussion and Analysis of Financial
              Condition and Results of Operations..............................9

     Item 3.  Quantitative and Qualitative Disclosures About Market Risks......9

     Item 4.  Controls and Procedures  .......................................10

PART II. OTHER INFORMATION

     Item 1.  Legal Proceedings...............................................11

     Item 2.  Unregisterred Sales of Equity Securities and Use of Proceeds....11

     Item 3.  Defaults Upon Senior Securities.................................11

     Item 4.  Submission of Matters to a Vote of Security Holders.............11

     Item 5.  Other Information...............................................11

     Item 6.  Exhibits........................................................12

     Signatures...............................................................13

















                                       2
<PAGE>


                 WNC HOUSING TAX CREDIT FUND VI, L.P., SERIES 12
                       (A California Limited Partnership)
                        (A Development-Stage Enterprise)

                                  BALANCE SHEET

                                December 31, 2004
                                   (Unaudited)
<TABLE>
<CAPTION>





<S>                                                                                <C>
ASSETS

Cash                                                                               $                   1,100
                                                                                     ------------------------

                                                                                   $                   1,100
                                                                                    ========================

LIABILITIES AND PARTNERS' EQUITY

Commitments and contingencies (Note 2)

Partners' equity (Note 1):
   General Partner                                                                 $                     100
   Limited Partners                                                                                    1,000
                                                                                     ------------------------

     Total partners' equity                                                        $                   1,100
                                                                                     ========================
</TABLE>






                                       3
<PAGE>


                 WNC HOUSING TAX CREDIT FUND VI, L.P., SERIES 12
                       (A California Limited Partnership)
                        (A Development Stage Enterprise)

                             NOTES TO BALANCE SHEET

                                December 31, 2004
                                   (unaudited)


NOTE 1 - ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
--------------------------------------------------------------------

General
-------

The  information  contained  in the  following  notes  to the  balance  sheet is
condensed  from that  which  would  appear in the annual  financial  statements;
accordingly, the balance sheet included herein should be reviewed in conjunction
with the July 16, 2004  audited  balance  sheet  included in the  Post-effective
Amendment  No. 1 to the  Registration  Statement  on Form  S-11  filed  with the
Securities  and  Exchange  Commission  on July 30,  2004.  In the opinion of the
General  Partner,   the  accompanying   unaudited  balance  sheet  contains  all
adjustments  necessary to present  fairly the financial  position as of December
31, 2004.

Organization
------------

WNC Housing Tax Credit Fund, VI, L.P., Series 12, a development stage enterprise
(the  "Partnership") was formed under the California Revised Limited Partnership
Act on July 2, 2003,  and had not commenced  operations as of December 31, 2004.
The  Partnership  and WNC Housing Tax Credit  Fund VI,  L.P.,  Series 11 filed a
Registration  Statement on SEC Form S-11 that was declared  effective on January
5, 2004. Post-effective Amendment No. 1 to its Registration Statement,  filed by
the  Partnership on July 30, 2004,  was declared  effective on November 1, 2004.
Pursuant to that  Post-effective  Amendment,  and a supplement dated November 1,
2004 to the prospectus of the Partnership dated January 5, 2004, the Partnership
commenced a public  offering  of 25,000  units of limited  partnership  interest
("Units"),  at a price of $1,000 per Unit. The  Partnership's  minimum  offering
amount is $1,400,000.  As of December 31, 2004, the Partnership had not received
the minimum offering amount, and therefore had not commenced  operations.  As of
December 31, 2004, the  Partnership had received  subscriptions  to 1,158 Units,
none of which  could be accepted  until  satisfaction  of the  minimum  offering
condition.

Holders of Units are referred to herein as "Limited Partners."

The Partnership was formed to invest primarily in other limited  partnerships or
limited liability  companies (the "Local Limited  Partnerships")  which will own
and operate  multifamily  housing  complexes (the "Housing  Complexes") that are
eligible for low-income  housing tax credits (the "Low-Income  Housing Credit").
The Local Limited  Partnerships are managed by their respective general partners
or managing members (the "Local General Partners").

As of December 31, 2004, the  Partnership  was comprised of one general  partner
and two initial limited partners.  The general partner of the Partnership is WNC
National  Partners,  LLC (the  "General  Partner").  The managing  member of the
General Partner is WNC & Associates,  Inc. ("Associates").  The chairman and the
president  of  Associates  own  substantially  all of the  outstanding  stock of
Associates.  The initial  limited  partners are  affiliates of  Associates.  The
business of the Partnership is conducted  primarily through  Associates,  as the
Partnership and General Partner have no employees of their own.

The Partnership shall continue in full force and effect until December 31, 2065,
unless  terminated  prior to that date,  pursuant  to its  Agreement  of Limited
Partnership (the "Partnership Agreement") or law.

The  balance  sheet  includes  only  activity  relating  to the  business of the
Partnership,  and does not give effect to any assets that the  partners may have
outside of their interests in the Partnership, or to any obligations,  including
income taxes, of the partners.

The  reader  of this  balance  sheet  should  refer  to the  Form  S-11  and the
amendments thereto, for a more thorough description of the Partnership,  and the
terms and provisions of the Partnership Agreement.

                                       4
<PAGE>


                 WNC HOUSING TAX CREDIT FUND VI, L.P., SERIES 12
                       (A California Limited Partnership)
                        (A Development Stage Enterprise)

                       NOTES TO BALANCE SHEET - CONTINUED

                                December 31, 2004
                                   (unaudited)

NOTE 1 - ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, continued
-------------------------------------------------------------------------------

The General Partner has a 0.1% interest in operating profits and losses, taxable
income and losses,  cash available for  distribution  from the  Partnership  and
Low-Income  Housing  Credits for the  Partnership.  Limited  Partners  are to be
allocated the remaining 99.9% of these items in proportion to their Units.

After the Limited  Partners  have received  proceeds from a sale or  refinancing
equal to their capital  contributions and their return on investment (as defined
in the  Partnership  Agreement)  and the General  Partner has received  proceeds
equal to its capital  contribution  and a subordinated  disposition fee from the
remainder,  any additional sale or refinancing  proceeds will be distributed 90%
to the Limited Partners (in proportion to their respective  investments) and 10%
to the General Partner.

Certain Risks and Uncertainties
-------------------------------

An investment in the  Partnership  and the  Partnership's  investments  in Local
Limited  Partnerships  and their Housing  Complexes are subject to risks.  These
risks may impact the tax benefits of an investment in the  Partnership,  and the
amount of proceeds  available for distribution to the Limited Partners,  if any,
on liquidation of the Partnership's investments. Some of those risks include the
following:

The  Low-Income  Housing Credit rules are extremely  complicated.  Noncompliance
with these rules results in the loss of future  Low-Income  Housing  Credits and
the fractional  recapture of Low-Income  Housing  Credits already taken. In most
cases the annual amount of Low-Income Housing Credits that an individual can use
is limited to the tax  liability  due on the  person's  last  $25,000 of taxable
income.  The  Local  Limited  Partnerships  may be  unable  to sell the  Housing
Complexes at a profit. Accordingly,  the Partnership may be unable to distribute
any cash to its investors.  Low-Income  Housing  Credits may be the only benefit
from an investment in the Partnership.

The  Partnership  expects  to  invest  in a  limited  number  of  Local  Limited
Partnerships. Such limited diversity means that the results of operation of each
single  Housing  Complex  will have a greater  impact on the  Partnership.  With
limited  diversity,  poor  performance  of one Housing  Complex could impair the
Partnership's ability to satisfy its investment objectives. Each Housing Complex
will be subject to mortgage indebtedness.  If a Local Limited Partnership failed
to pay its  mortgage,  it could  lose its  Housing  Complex in  foreclosure.  If
foreclosure  were to occur during the first 15 years,  the loss of any remaining
future Low-Income  Housing Credits,  a fractional  recapture of prior Low-Income
Housing  Credits,  and a loss of the  Partnership's  investment  in the  Housing
Complex would occur.  The Partnership  will be a limited partner or non-managing
member of each Local Limited Partnership. Accordingly, the Partnership will have
very  limited   rights  with  respect  to   management   of  the  Local  Limited
Partnerships.  The Partnership will rely totally on the Local General  Partners.
Neither the  Partnership's  investments in Local Limited  Partnerships,  nor the
Local Limited  Partnerships'  investments in Housing Complexes,  will be readily
marketable.  To the extent the Housing Complexes receive government financing or
operating subsidies,  they may be subject to one or more of the following risks:
difficulties  in obtaining  tenants for the Housing  Complexes;  difficulties in
obtaining  rent  increases;  limitations on cash  distributions;  limitations on
sales or refinancing of Housing Complexes; limitations on transfers of interests
in Local Limited Partnerships; limitations on removal of Local General Partners;
limitations on subsidy programs; and possible changes in applicable regulations.
Uninsured  casualties  could result in loss of property and  Low-Income  Housing
Credits and recapture of Low-Income  Housing Credits previously taken. The value
of real  estate  is  subject  to risks  from  fluctuating  economic  conditions,
including employment rates, inflation,  tax, environmental,  land use and zoning
policies, supply and demand of similar properties,  and neighborhood conditions,
among others.


                                       5
<PAGE>


                 WNC HOUSING TAX CREDIT FUND VI, L.P., SERIES 12
                       (A California Limited Partnership)
                        (A Development Stage Enterprise)

                       NOTES TO BALANCE SHEET - CONTINUED

                                December 31, 2004
                                   (unaudited)


NOTE 1 - ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, continued
-------------------------------------------------------------------------------

Certain Risks and Uncertainties, continued
------------------------------------------

The  ability of Limited  Partners to claim tax losses  from the  Partnership  is
limited.  The IRS may audit the  Partnership or a Local Limited  Partnership and
challenge  the tax  treatment  of tax items.  The amount of  Low-Income  Housing
Credits and tax losses  allocable to the  investors  could be reduced if the IRS
were successful in such a challenge.  The  alternative  minimum tax could reduce
tax benefits from an investment  in the  Partnership.  Changes in tax laws could
also impact the tax benefits from an investment  in the  Partnership  and/or the
value of the Housing Complexes.

No trading market for the Units exists or is expected to develop.  Investors may
be unable to sell their Units  except at a discount  and should  consider  their
Units to be a long-term  investment.  Individual investors will have no recourse
if they  disagree  with actions  authorized by a vote of the majority of Limited
Partners.

Method of Accounting for Investments in Limited Partnerships
------------------------------------------------------------

The Partnership  intends to account for its investments in limited  partnerships
using the equity  method of  accounting,  whereby  the  Partnership  adjusts its
investment balance for its share of the Local Limited  Partnerships'  results of
operations  and for any  contributions  made  and  distributions  received.  The
Partnership  will review the carrying  amount of an  individual  investment in a
Local Limited  Partnership for possible impairment whenever events or changes in
circumstances  indicate that the carrying  amount of such  investment may not be
recoverable.  Recoverability  of such  investment  is measured by the  estimated
value derived by  management,  generally  consisting of the sum of the remaining
future  Low-Income  Housing Credits estimated to be allocable to the Partnership
and the  estimated  residual  value  to the  Partnership.  If an  investment  is
considered  to be impaired,  the  impairment to be recognized is measured by the
amount by which the carrying  amount of the investment  exceeds fair value.  The
accounting policies of the Local Limited  Partnerships are generally  consistent
with those of the  Partnership.  Costs incurred by the  Partnership in acquiring
the investments  will be capitalized as part of the investment  account and will
be amortized over 30 years.

Offering Expenses
-----------------

Offering  expenses consist of underwriting  commissions,  legal fees,  printing,
filing and  recordation  fees, and other costs  incurred in connection  with the
selling of limited partnership interests in the Partnership. The General Partner
is  obligated  to pay all  offering  and  organization  costs in  excess  of 13%
(excluding  selling  commissions  and dealer manager fees) of the total offering
proceeds.  Offering  expenses  will  be  reflected  as a  reduction  of  limited
partners' capital.

Use of Estimates
----------------

The preparation of the balance sheet in conformity  with  accounting  principles
generally  accepted in the United States of America requires  management to make
estimates  and  assumptions  that  affect  the  reported  amounts  of assets and
liabilities  and disclosure of contingent  assets and liabilities at the date of
the  financial  statements,  and the  reported  amounts of revenues and expenses
during the reporting  period.  Actual results could materially differ from those
estimates.

                                       6
<PAGE>


                 WNC HOUSING TAX CREDIT FUND VI, L.P., SERIES 12
                       (A California Limited Partnership)
                        (A Development Stage Enterprise)

                       NOTES TO BALANCE SHEET - CONTINUED

                                December 31, 2004
                                   (unaudited)


NOTE 1 - ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, continued
-------------------------------------------------------------------------------

Income Taxes
------------

No provision for income taxes has been  recorded in the financial  statements as
any  liabilities  and/or  benefits for income taxes flows to the partners of the
Partnership and are their obligations  and/or benefits.  For income tax purposes
the Partnership reports on a calendar year basis.

NOTE 2 - COMMITMENTS AND CONTINGENCIES
--------------------------------------

Effective  November 1, 2004,  the  Partnership is offering up to 25,000 Units at
$1,000 per Unit. The balance sheet does not include certain  Partnership  legal,
accounting, and other organization and offering costs paid and to be paid by the
General  Partner  and/or  affiliates  of the  General  Partner.  If the  minimum
offering  amount of $1,400,000 is raised,  the  Partnership  will be required to
reimburse the General  Partner  and/or its  affiliates  for such fees out of the
proceeds of the offering,  up to certain  maximum levels set forth below. In the
event  the  Partnership  is unable to raise the  minimum  offering  amount,  the
General Partner will absorb all organization and offering costs.

The reader of this balance  sheet should refer to the Form S-11,  filed with the
Securities  and Exchange  Commission  on December 24, 2003,  and  Post-effective
Amendments thereto,  for a more thorough  description of the Partnership and the
terms and provisions of the Partnership Agreement.

The  Units  are  being  offered  by  WNC  Capital  Corporation,  a  wholly-owned
subsidiary of the General Partner.

If the minimum offering amount of $1,400,000 is raised,  the Partnership will be
obligated  to  the  General  Partner  or  affiliates  for  certain  acquisition,
management and other fees as set forth below:

Acquisition  and investment  management fees up to 7% of the gross proceeds from
the sale of the Units as compensation  for services  rendered in connection with
the acquisition of Local Limited Partnerships.

A nonaccountable acquisition expense allowance equal to 2% of the gross proceeds
from the sale of the Units.

Payment of a nonaccountable  organization and offering  expense  allowance,  and
reimbursement  for dealer manager and selling  expenses  advanced by the General
Partner  or  affiliates  on  behalf of the  Partnership.  These  allowances  and
reimbursements plus all other organizational and offering expenses, inclusive of
sales  commissions  and dealer  manager fees, are not to exceed 13% of the gross
proceeds from the sale of Units.

An annual  management  fee not to exceed to 0.5% of the  invested  assets of the
Partnership, as defined.

A  subordinated  disposition  fee in an amount equal to 1% of the sales price of
real  estate  sold by the Local  Limited  Partnerships.  Payment  of this fee is
subordinated  to the limited  partners  receiving  distributions  equal to their
capital  contributions  and  their  return  on  investment  (as  defined  in the
Partnership Agreement) and is payable only if services are rendered in the sales
effort.

As of December 31, 2004, the General Partner had incurred costs of approximately
$112,000 related to the  organization and offering of the Partnership.  Provided
the minimum  offering  condition  is  satisfied,  and  subject to the  foregoing
limitations,  such costs will be  reimbursed by the  Partnership  to the General
Partner.

                                       7
<PAGE>

                 WNC HOUSING TAX CREDIT FUND VI, L.P., SERIES 12
                       (A California Limited Partnership)
                        (A Development Stage Enterprise)

                       NOTES TO BALANCE SHEET - CONTINUED

                                December 31, 2004
                                   (unaudited)

NOTE 3 - SUBSEQUENT EVENT
-------------------------

As of December 31, 2004, the  Partnership had received  subscriptions  for 1,158
Units.  Effective  January 21, 2005,  the  Partnership  had received the minimum
required subscriptions to 1,400 Units. Through February 2, 2005, the Partnership
had accepted subscriptions for 1,665 units, for which it has received $1,625,000
in cash, net of $40,000 in subscriptions receivable.

Subsequent  to the period  ended  December 31, 2004,  the  Partnership  acquired
limited partnership interests in two Local Limited Partnerships for an aggregate
amount of  $1,114,042.  Payments  in the amount of  $860,424  were made to these
Local Limited  Partnerships  by the  Partnership  subsequent to the period ended
December 31, 2004.



                                       8
<PAGE>




Item 2. Management's  Discussion And Analysis of Financial Condition and Results
        of Operations

Forward Looking Statements

WNC  Housing  Tax  Credit  Fund VI,  L.P.  Series 12 (the  "Partnership")  was a
development  stage enterprise as of December 31, 2004, having only nominal funds
as the capital anticipated to be raised through its public offering of Units had
not yet become available as of December 31, 2004.

The  Partnership  plans to raise equity  capital from  investors by means of its
public  offering,  and then to  apply  such  funds,  including  the  installment
payments on the investor promissory notes as received, to the purchase price and
acquisition fees and costs of Local Limited Partnerships,  reserves and expenses
of the offering.

It is not expected that any of the Local Limited Partnerships will generate cash
from  operations  sufficient  to  provide  distributions  to  investors  in  any
significant  amount.  Cash from operations,  if any, would first be used to meet
operating  expenses of the  Partnership.  Operating  expenses  include the asset
management fee.

Investments  in Local  Limited  Partnerships  are not readily  marketable.  Such
investments may be affected by adverse  general  economic  conditions  which, in
turn, could substantially  increase the risk of operating losses for the Housing
Complexes,  the Local Limited  Partnerships and the Partnership.  These problems
may  result  from a number  of  factors,  many of which  cannot  be  controlled.
Nevertheless,  the General Partner anticipates that capital raised from the sale
of the Units will be  sufficient  to fund the  Partnership's  future  investment
commitments and proposed operations.

The Partnership  will establish  working capital  reserves of at least 3% of its
capital  contributions.  The  General  Partner  believes  this  amount  will  be
sufficient  to pay  the  operating  costs  and  administrative  expenses  of the
Partnership,  which include: the asset management fee to WNC & Associates, Inc.,
expenses attendant to the preparation of tax returns,  expenses attendant to the
preparation and  dissemination  of reports to the investors,  and other investor
servicing obligations of the Partnership.

However,  liquidity would be adversely affected by unanticipated or greater than
anticipated   operating  costs.  Defaults  or  delays  in  payment  of  investor
promissory notes could also affect liquidity. Such payments are expected to fund
a portion of the working  capital  reserves.  To the extent that working capital
reserves are  insufficient to satisfy the cash  requirements of the Partnership,
additional  funds  would be sought  through  bank  loans or other  institutional
financing. The Partnership may also use any cash distributions received from the
Local Limited  Partnerships  to pay operating or  administrative  expenses or to
replenish or increase working capital reserves.

The  Partnership  does not have the ability to assess its  investors  to provide
additional   capital  if  needed  by  the   Partnership  or  its  Local  Limited
Partnerships.  Accordingly,  if  circumstances  arise that cause a Local Limited
Partnership  to  require  capital  in  addition  to  that   contributed  by  the
Partnership  and any equity of its Local  General  Partners,  the only  possible
sources  of such  capital  will be: the  limited  reserves  of the  Partnership,
third-party  debt  financing,  which may not be available as the Housing Complex
already will be substantially leveraged, advances of the Local General Partners,
advances of the General Partner or its affiliates,  other equity sources,  which
could adversely affect the Partnership's  interest in Low-Income Housing Credits
and cash  distributions and result in adverse tax consequences to the investors,
or the sale of the Housing Complexes, which could have the same adverse effects.
There can be no assurance  that funds from any of such sources  would be readily
available in sufficient  amounts to fund the capital  requirements  of the Local
Limited  Partnership  in question.  If such funds are not  available,  the Local
Limited Partnership would risk foreclosure on is apartment complex.

The capital needs and resources of the Partnership are expected to undergo major
changes  during  its  first  several  years of  operations  as a  result  of the
completion  of its  offering  of  Units  and  its  acquisition  of  investments.
Thereafter,  the  Partnership's  capital  needs and resources are expected to be
relatively stable.

Item 3: Quantitative and Qualitative Disclosures Above Market Risks

Not Applicable


                                       9
<PAGE>

Item 4.  Controls and Procedures.

Disclosure controls and procedures. As of the end of the period covered by  this
----------------------------------
report,  the Partnership's  General Partner,  under the supervision and with the
participation  of the Chief  Executive  Officer and Chief  Financial  Officer of
Associates,  carried out an evaluation of the effectiveness of the Partnership's
"disclosure  controls and procedures" as defined in Rule 13a-15 and 15d-15 under
the  Securities  Exchange  Act of 1934.  Based  on that  evaluation,  the  Chief
Executive  Officer and Chief Financial Officer have concluded that as of the end
of the period covered by this report, the Partnership's  disclosure controls and
procedures  were  adequate  and  effective in timely  alerting  them to material
information  relating  to  the  Partnership  required  to  be  included  in  the
Partnership's periodic SEC filings.

Changes in internal controls over financial reporting. There were no changes  in
-----------------------------------------------------
the Partnership's internal control over financial reporting that occurred during
the quarter ended December 31, 2004 that materially affected,  or are reasonably
likely to materially affect,  the Partnership's  internal control over financial
reporting.


                                       10
<PAGE>



Part II.  Other Information

Item 1.   Legal Proceedings

          NONE

Item 2.   Unregistered Sales of Equity Securities and Use of Proceeds

          (a)  The Partnership did not sell any unregistered  equity  securities
               during the quarter ended December 31, 2004.

          (b)  The Partnership and WNC Housing Tax Credit Fund VI, L.P.,  Series
               11  filed a  Registration  Statement  on SEC Form  S-11  that was
               declared effective on January 5, 2004. The Commission File Number
               for  the  Partnership's   filing  is  333107181.   Post-effective
               Amendment No. 1 to that Registration Statement, filed on July 30,
               2004,  was declared  effective  on November 1, 2004.  Pursuant to
               that Post-effective Amendment, and a supplement dated November 1,
               2004 to the prospectus of the Partnership  dated January 5, 2004,
               the Partnership commenced a public offering of 25,000 Units, at a
               price of $1,000  per Unit.  The  Partnership's  minimum  offering
               amount is $1,400,000.  As of December 31, 2004,  the  Partnership
               had not received the minimum offering  amount,  and therefore had
               not  commenced   operations.   As  of  December  31,  2004,   the
               Partnership had received  subscriptions  to 1,158 Units,  none of
               which can be accepted until  satisfaction of the minimum offering
               condition of 1,400 Units is met. The managing  underwriter is WNC
               Capital  Corporation.  The  Partnership  has  no  obligation  for
               offering and organization expenses until such time as the minimum
               number of Units is sold.

          (c)  No  purchases  of  Units  were  made  by  or  on  behalf  of  the
               Partnership or any affiliated  purchaser during the quarter ended
               December 31, 2004.

Item 3.   Defaults Upon Senior Securities

          NOT APPLICABLE

Item 4.   Submission of Matters to a Vote of Security Holders

          NONE

Item 5.   Other Information

          (a)  Unreported Form 8-K disclosure

               NONE

          (b)  Changes to Nominee Procedures

               NOT APPLICABLE

                                       11
<PAGE>



Item 6.   Exhibits

31.1      Certification  of the  Principal  Executive  Officer  pursuant to Rule
          13a-15(e)  and  15d-15(e),  as adopted  pursuant to section 302 of the
          Sarbanes-Oxley Act of 2002. (filed herewith)

31.2      Certification  of the  Principal  Financial  Officer  pursuant to Rule
          13a-15(e)  and  15d-15(e),  as adopted  pursuant to section 302 of the
          Sarbanes-Oxley Act of 2002. (filed herewith)

32.1      Section 1350  Certification  of the Chief  Executive  Officer.  (filed
          herewith)

32.2      Section 1350  Certification  of the Chief  Financial  Officer.  (filed
          herewith)



                                       12
<PAGE>


Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned, thereunto duly authorized.

WNC HOUSING TAX CREDIT FUND VI, L.P., Series 12
-----------------------------------------------
(Registrant)

By:   WNC National Partners, LLC., General Partner




By:   /s/ Wilfred N. Cooper, Jr.
       -------------------------
Wilfred N. Cooper, Jr.
President and Chief Executive Officer of WNC & Associates, Inc.


Date:  February 14, 2005




By:   /s/ Thomas J. Riha
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Thomas J. Riha
Senior Vice President - Chief Financial Officer of WNC & Associates, Inc.

Date:  February 14, 2005


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