Cash Out Refi On Primary Residence

[Sam Collins]

Hello BP Family! 
I have a question. I am currently in the process of getting a Cash Out Refi on my primary residence. The appraisal came back today and I am going to be able to pull out $145,000. I had originally planned on pulling only $80,000 out and keeping the Morgage payment the same. But the appraisal came back much higher than expected. If I pull the $145,000 my monthly Morgage will rise from $1,819 to $2,230 a month. I was able to get the interest from the original note at 5.75% down to 3.25% on the new. 
so my question is, is it worth pulling the whole $145,000 and paying the extra $400 a month or only pulling $80,000 and keeping my payments the same. 
I have no issue making the higher monthly payment. 
any help is appreciated