Lender credit on an a personal mortgage? Will pay it off in 5 yrs

[Pablo Mendez]

We are buying our first home. This will be our primary residence. 

They offered Lender Credit to lower closing costs up front but end up with a higher interest rate. Have not gotten the exact amounts yet. 

Loan will be $188,000, interest rate 4.0% with no credits or points on a 15 year. Closing costs about $6,000. 

We will pay it all off in 5 years. 
So I'm thinking getting lender credit may be worth it since we will only pay the higher interest rate for only 5 years as opposed to 15 years. But I believe you pay the bulk of the interest the first few years, so actually I'm not sure.