We have a few manufactured homes (without land) that we took in reposession.

We want to place an ad in the paper. Are there any special disclosure requirements since this is considered a credit sale?

And, if we offered a $500 Home Depot card (or gas card) as an incentive, would this be okay?

If you state the amount of down payment (or the percentage you're willing to lend), you trigger further disclosures. This is the only thing unique about credit sales.

There's no problem with offering the incentive that I'm aware of.

If we do indicate that a certain down payment is required...or that will will finance up to a certain percentage....where can I find the information regarding the exact disclosures that will be required?

Reg. Z 226.24(c) and its Commentary.

This is exactly the type of thing we will be discussing in the upcoming Advertising Webinar (7/16):
http://calendar.bollearningconnect.com/main.php?view=event&eventid=1205417013387

Keep a link to this publication handy.