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If you are putting the washer on anything but a concrete floor, get a top loader washer. The appliance repair guy told me that since I'm in a mobile and don't have a concrete floor, a front-loader would shake too much. They spin much faster than a top loader.
I'm on a well so water cost isn't really an issue. If you're on metered water with a basic minimum charge, check your consumption to see if there would be any financial benefit to using less water. I wash in cold almost all the time, so heating water for the washer isn't a consideration. I have read that 90% of the cost of running a top load washer with hot water is the cost of heating the water.
All dryers are front-load anyway so no issue there, unless you're asking about drying times of the wet clothes. They probably dry faster if they were washed in a front-loader. The faster spinning can remove more water. Measure your space to make sure a front-loader you're looking at will fit. Some are oversize a bit.
A front-loader will be easier on clothes and will wash large items like comforters more easily, but I've had two washers with the newer style slim agitators, not the old ones with big fins that thrashed your clothes back and forth, and I've never had any problems with those two washers wrecking clothes. If I have anything to wash that really won't fit in my washer, I go to a laundromat with big front-loaders. I try not to buy stuff that won't fit.
Keep in mind that if you're buying 3 major appliances at the same time, you should be able to deal a little. Check scratch and dent sales, you can save quite a bit there. Keep your eye on sale flyers. Smaller appliance stores sometimes sell gently used appliances, with a store warranty on them. And you don't need to buy the ones with all the bells and whistles. A mid-price range is probably the best overall value, but I've found a large capacity one to be worth paying for. All you really need is a choice of temperature, water level, and maybe four wash cycles.
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- It will be upstairs so I dont think I would want a front loader shaking throught the top floor