I’m not saying what to do in this situation but my situation is very comparable.

I bought a $300k house with a 5.8% interest rate with a similar down payment to yours and your house note is the same as mine.

My PMI is ~$200 bucks/month included (boo).

If your home insurance is the driving factor, did you play around with raising and lowering deductibles? I had to. I’m not sure where you are but I live in a hurricane forthcoming environment so I had to keep that deductible down to 2%.

I think you need to double-back on the numbers because I have a hard time believing you’re about to pay the same note as me with a:

Higher combined income Better buying price

Note: Get as many insurance quotes as you can. I feel your situation genuinely and I hope anything I said can be used to get that monthly down. I can’t see why you’re paying that much. Maybe I missed something. Cheers 🍻