I know his name can be a bad word in these parts due to some acrimony with Biotest...but Lyle McDonald is a big believer in this principle as well. If you want to cut, do as little exercise as needed to maintain muscle mass.
OP: as noted, a good diet, a daily walk, and some sprints once or twice a week could be a start. Are you willing to invest in ANY equipment for your home? A single kettlebell, a pull-up bar? One or both of those could go a really long way. You can make a hell of a minimalist program out of daily kettlebell swings and push-ups/pull-ups.
With that said: if "a large volume of personal work" is enough to keep you from the gym entirely, what faith should any of is have that you'll keep exercising at all?