Don't get me wrong, we need stronger building standards and better insulation. Especially in the US, where we let literally any hollow twig+glue structure stand with essentially no quality checks whatsoever.
But the reason everyone "throws a solar panel on top to get Net Zero", is because it gives you cheap green electricity to run both heat and Air Conditioning. There are precious few places you could build this thing in the US where it won't be annoyingly hot to live in for at least 3+ months every year. Even in Michigan, a building is essentially broken if it doesn't have AC, if not for the heat then to at least remove the moisture / humidity / condensation built up.