You definitely don’t need to oil it after every use. The main reason for applying oil is to keep it from rusting while it sits. If you just use it at least once a week then that rust isn’t a concern. Even if it did rust you can just scrub the rust off before you use it.
There is all sorts of special care you can do to cast iron if you really get into it. But if you really don’t care then you can just use it and wash it exactly like any other pan without issue. The whole soap thing is a myth now a days because modern soaps don’t contain lye anymore. Soap is entirely unnecessary in cast iron but it won’t hurt it. Seasoning is adequately acheived just by actually cooking with it. You really don’t need any special process to season it unless you deliberately stripped off all the old seasoning. You can cook acidic foods in it without issue. I do tomato sauce in mine all the time.
Coated pans require way more care. At least I can use proper metal utensils in my cast iron.
Assuming you’re in the US you should know that first time home buyers can put basically 0% down. You need to pay mortgage insurance until you hit 20% equity in your home but that isn’t terribly expensive when you compare it to the mortgage, insurance, and taxes. The 20% down rule is really only if youre selling an existing property to buy a different one. No bank is expecting a first time buyer to put 20% down.
I want to say the total amount I paid out of pocket at closing for my house was like $3000 back in 2018. So it’s still spendy but the down payment isn’t as much of an obstacle as people make it out to be. The bigger obstacles are just having a good credit score and a history of stable employment.