(a) A consumer and creditor may agree to:
(1) have the creditor pay taxes, and interest or other charges, assessed by a taxing authority against a manufactured home after the date of the credit document; and
(2) include the amount paid by the creditor in the unpaid balance of the credit transaction.
(b) Interest on the amounts added to the unpaid balance under this section accrues at the interest rate or time price differential applicable to the credit transaction.