This paper covers the simulation and comparison among three different HVAC (heating, ventilation & air conditioning)systems to achieve the goal of finding the most effective HVAC among these three in terms of human comfort, efficiency and cost considering North Texas climate. In the Zero Energy Lab at the University of North Texas, Denton, TX, the HVAC system of the building assembles with geothermal heat source. Here, water to water heat pump with radiant floor and water to air heat pump with air ducts provide heating & cooling of the building. In this paper electricity consumption, comfort, cost & efficiency analysis is done for the existing system using Energy Plus simulation software. Calibration of the simulated data of the existing system is done comparing with the actual data. Actual data is measured using 150 sensors that installed in Zero Energy Lab. After the baseline model calibration, simulation for ground source water to water heat pump, evaporative cooler with baseboard electric heater and water cooled electric chiller with baseboard electric heater (as a conventional system) is shown. Simulation results evaluate the life cycle cost (LCC) for these HVAC systems. The results of the comparison analysis among all the three HVAC systems show the most effective HVAC system among these three systems in North Texas weather. The results will make UNT Zero Energy lab a standard model towards a sustainable green future.