Poor assumptions about HVAC needs have caused a lot of problems with improper dehumidification and resulting mold issues. Usually with the idea that "bigger is better".Surely there are some on line HVAC load calculators which can be used? I mean you need to know the heating and cooling loads and then add a few percentages. Down here in Texas the rule of thumb is one ton (12000) BTUS of heating or cooling for each 500 square feet.
Relatively simple calculations of heating/cooling loads and required system sizes can be done using well know prescriptive references such as "Manual J".
A good reference here: https://www.energyvanguard.com/blog/hvac-design-done-right-manual-j-s-t-d/
. Our state was throwing a lot of money for incentives and unrealistic promises were made. Lots of summer places were built that looked good but lots of glass, open fireplaces, square footage with suspect attention to detail for energy efficiency all mean that these homes are relative energy hogs so even if there method of heating is more efficient its still a steep bill. The other aspect is that as seasonal homes the temptation is to keep the temps low during non occupied periods and then crank it up when the owner shows up to use the place. Low supply temps means slow heating response so there are usually far less efficient auxiliary resistance heaters in the system to augment the geothermal heat.