The foundation and drainage around and under it are the key as mentioned above.

Builders tend to want to waterproof the outside of the foundation then backfill and if finishing rooms in the basement they want to put the insulation on the INSIDE of the concrete.

In my opinion basement insulation should be on the OUTSIDE of the foundation. Why not use those truckloads of foundation concrete as thermal mass working FOR you rather than fighting you? 

A suggestion for foundation: spray the outside of the concrete with waterproofing compound 100% from footing to the top of the concrete, apply 2" styrofoam insulation (R10) over the waterproofing, spray the styrofoam with waterproofing compound, apply drain board (R5) or rubber drain mat (provides a path for water down to the footing drain tile). Backfill to about 8" from the top of the concrete.. Flash over the top of the styrofoam and drain board and up under the siding.

With the drain board this gives you an R15 on the outside of the concrete and all that concrete will be close to inside room temperature year around.  Insulated on the outside like this, concrete won't go through 100 degree F or more temperature swings through the year, likely less cracking and once at room temp acts like a radiator, along with in-floor heat. Thermal mass will also keep the house cooler in weather like this.

Geothermal heating and cooling is expensive up front but almost free after that compared to other systems.

Good luck.

Jim at Dawn