<human>: Can you condense the text into three sentences or less?

I'm buying my first house in a couple of months.  My wife and I will only be putting a little over 5% down so, unfortunately, we're stuck paying PMI.  I do have the option of paying it all up front which would be approximately $6,000.  While I would like to have the extra monthly money, I feel like maybe I would be better off putting that $6,000 towards lowering my mortgage and try over the next few years to put extra money towards our principal to get to 20% equity as soon as possible and request termination of PMI.  If I were to make regular payments, it will take me approximately 6 years and 8 months to reach 20% equity.
<bot>: Should I pay my PMI fees upfront ($6,000) to lower my monthly costs or put that $6,000 towards my mortgage and try to get to 20% equity ASAP and request PMI termination.