Consider what is more important to you regarding the budget: ventilation, heating, or air conditioning. I see that separately for you. The jack of all trades is rarely good. I would either keep the ventilation very simple and without heat recovery (central exhaust) or use a few good decentralized devices with heat recovery but without any ground heat exchangers. Ventilation does not cool and you also won’t get rid of heat at night with it. Ventilation is mainly comfort.
The combination of photovoltaics and air conditioning makes a lot of sense, and the hint from nordanney about heating with the (correct) air conditioning is good; with it, you heat more cheaply at least in the transitional period than with fossil heating. The money for the largest possible photovoltaics pays off on its own. With the electricity, you can, among other things, operate the air conditioning.