I also see some discontinuities in your calculation. Are you using the Standard or Optional? It looks list you are using the Optional.
First, the refrigerators can be included with the 1500VA loads for the kitchen small appliance circuit assuming they are on those circuits and not dedicated ones.
Stoves for the Standard calc can be 8KVA plus a demand reduction factor for more than one. But with the optional, you put them in a full nameplate and they will fall under the 40% factor later. A typical range nameplate value is 12 KVA. With 3 of them using optional, your final column should be about 36 KVA for 3 ranges. This will make your load calc worse...
Are the outside lights on buildings or some separate light posts or something? Lighting on a dwelling or associated building doesn't get counted. But those numbers are huge -- are these LED lights and if so are they illuminating a ball field or tennis court???
Where are you getting your HVAC numbers? Is this nameplate MCA or the breaker size? Breaker size will be way too much compared to MCA in most cases. If you are using MCA, you don't need to apply a 125% factor as it is already included. If using the Standard calculation and you need a 25% factor for the largest motor, it may be one of those HVAC units buy you don't need to include it on the others.
What is the heat? If this is heat that can run with the heat pumps, then it needs to be included like you have done (assuming these are heat pumps and not just air conditioning units). But there seems to be a major omission with the heat if there are truely 6 sets of 7200W heaters. The 40% factor is correct, but 7200*6 = 43,200 KVA. They you take 40% of that which is 17,280 KVA. Hopefully, there are only six 1200W heaters which is where the 7200W came from, but that seems a little light for a huge house unless it is just bathrooms or floors or something.
