It is becoming conventional approach to evaluate the building envelop losses using detailed dynamic tools such as EnergyPlus, ESP-r and TRNSYS. However, the user-related loads (and their variations) in the building are usually oversimplified during performance evaluation of those buildings and associated HV AC systems. This paper presents a methodology to evaluate the performance of buildings and their energy supply systems while taking into account the user-related loads (non-HV AC & DHW) at individual household levels. For this purpose, a single family house (two different insulation cases) built in Oslo climate using an alternate duty air to water heat pump is used as a case study. The investigation shows that a large variation occurs in space heating needs for the same standard house when actual user loads are considered. The study also shows that the storage losses dominate the performance of total heat supply system in case of passive house insulation.