Should I put down an extra 5% in order to get a lower rate?

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My lender provided me a rate of 6.375%. This is for a 20% downpayment. If I put down 25%, I can get the rate lowered to 5.75% (a decrease of 0.625%.

This does raise my cash on cash return. Should I do the 20% or 25% down?

Appreciate any advice.