Question: how to buy a house with low monthly payments?
Answer: 9 strategies to reduce your mortgage payment. While not all of these apply to every loan scenario, and some require a cash outlay, one of these may work for you. ... 
Buy a cheaper house. ... 
Increase your down payment. ... 
Have your seller pay your PMI. ... 
Pay points. ... 
Drop mortgage insurance coverage. ... 
Recast your loan. ... 
Refinance.