help choosing a good mortgage loan?

my fiance and i have excellent credit and we are buying a brand new home but i want to make sure we get a good loan. what’s the best type of loan for someone who doesn’t want to put anything down and only pay minimal costs at closing? is it an 80/20 loan, an FHA loan, or just 103% financing? i have tried browsing the net for an answer but couldn’t really find one that struck me as the best without a doubt. again we both have near perfect credit and should have no problem getting any loan.

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