Congratulations on the new house!

I know you're trying to save money here, but if you do go with electric heat then your electric bill during the winter is going to be astronomical compared to the initial amount you save by going with it. I lived in Rhode Island for most of my life, and I'd expect NY has similar winters. If you look into it, I'm sure there are some cheap heaters/boilers that you could use in place of electric. Just my two cents, it is your house lol. Either way, good luck on the build and congrats!