"If the room is all insulated...."
I rent an older home in OH, and the insulation in it is almost nil. I refuse to pay a thousand bucks per month to heat it well (couldn't afford to if I wanted to anyway), and spend all winter bundled up as well as possible. Lighting alone would definitely not be sufficient for germination under these conditions, but lighting plus a heating mat should do the trick. Don't know about frjeff's conditions, but hopefully they're better than that. But another thing to point out is the heating and moisture content of the air - how often the heat runs, of course,depends upon your insulation. You do have to ensure the soil for the seeds doesn't get totally dried out. A humidifier will help. I had one built into the furnace, and while it was okay, it was still dryer in the winter than plants usually like. (Old house, old humidifier: it doesn't work any more.) Just something to keep an eye on.