Case study of a DOE 2015 Housing Innovation Award-winning custom home in the cold climate that got a HERS 48 without PV, with 2-by-6, 24” on center walls with R-23 blown fiberglass, open-cell spray foam at rim joists, basement with plus 2-by-4 stud walls with R-23 blown fiberglass, with R-20 around slab, R-38 under slab; a vented attic with R-100 blown cellulose; 95% AFUE furnace, 14 SEER AC, ERV; heat pump water heater.