Check out dorocell or sundolitt. They have systems for building extremely well-insulated houses using pre-made polystyrene blocks filled with concrete. I believe the roof insulation should be at least 80 cm to meet the requirements for passive houses. You can read about the requirements for it to be called a passive house by googling. But you don't have to buy the whole concept; you can build something that resembles one and still be close.
 
Then one must not forget that there is quite a significant difference between Umeå and, for example, Skåne when it comes to how much energy is needed.
 
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