Sec. 345.059.  PRINCIPAL BALANCE COMPUTATION.  The principal balance of a retail installment contract is computed by:
(1)  adding the cash price subject to the contract and the total of the contract's itemized charges, including a documentary fee authorized under Section 345.251;  and
(2)  subtracting the amount of the retail buyer's down payment in money and goods from the amount computed under Subdivision (1).
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.