I have chance to pay about 20% of my mortgage off (I had no down payment), what is the best way to do this?

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I bought my house about 6 months ago with no down payment. I have a PMI and a 80/20 loan. I have had a small windfall and think I would benefit from paying off the 20% to get rid of my PMI. I have no fee to pay off early. My big worry is that there may be different ways to pay this 20%…for instance, does the money automatically come off the principal, does it get applied to the end of my loan, is there a way to get it at the front of the loan, and does it automatically go to the 80% or does it pay off the 20% loan…is there anything that I need to look for when I talk to my lender about this?

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