This is all assuming the value of your home doesn’t change at all over time, which is an utterly retarded assumption.
The reality is if you bought at least 3 years ago, it’s likely the value of your home has doubled already, putting your equity equal to your debt, without even accounting for mortgage payments in the meantime.
Oh you might also be interested to know that less-than-5k figure is about equivalent to what I can save every year as a renter. Except that’s just my rainy day fund and it gets spent on extraneous costs and I hardly actually save anything at all.
So you’re sitting pretty over there, despite your whining.