Traditional air conditioning consumes substantial electricity, exacerbates the urban heat island effect, and creates a maladaptive feedback loop, necessitating a shift toward passive-first net-zero pathways. This study takes a typical six-story residential building in Nanjing’s hot summer and cold winter climate zone as a case study. Using EnergyPlus hourly simulations, three progressive passive strategy packages are designed to quantify the impact of building envelope heat exchange on cooling loads, grid stress, and heat resilience. Package A includes external shading and natural ventilation. Package B adds reflective coating and a green roof. Package C further adds night ventilation precooling and high-performance windows. The results show that Package C achieves a 62.5% reduction in peak cooling load and a 63.0% reduction in seasonal cooling load. Daytime peak inward heat gain decreases from 68 W/m² to 22 W/m², while nighttime outward heat dissipation increases from 12 W/m² to 38 W/m². Under an extreme heat day of 41.2 °C with no active cooling, indoor peak temperature drops from 36.8 °C to 29.4 °C, and heat risk hours decrease by 73.6%. Peak-hour power demand is reduced by 70.4%, with a systemic leverage factor of 1.08. Innovations include achieving over 60% load reduction using only mature passive strategies, introducing the systemic leverage factor to quantify urban heat island mitigation benefits, and establishing a vulnerability-to-resilience transformation framework. The passive-first pathway validates building envelope as the first line of defense for net-zero futures. However, the findings are based on a typical six-story residential building in Nanjing and require validation through field measurements or broader application across different climate zones and building typologies before generalization.