You can lower your PITI in several ways. The mortgage principal and interest will make up the largest portion of your payment, so get the lowest loan rate possible by improving or maintaining a strong credit score and shopping around with at least three mortgage lenders. If you can make a bigger down payment, that’ll help lower your PITI, too, because you won’t need to borrow as much.You can also comparison-shop for homeowners insurance. While you won’t have much say over your property tax bill, you can keep your taxes low overall by buying a cheaper home, or a home in an area with lower taxes.