FHA - Lower Down Payments Cause Unaffordable Monthly Payments?

[Evan Swanson]

I've heard that FHA loans are a good place to start for beginners because of their low downpayment.

However, I'm confused on how lower down payments help those with limited capital because the monthly payments are considerably higher compared to traditional loans (i.e., 20% down payment). 

Wouldn't I rather save for a larger downpayment to avoid a high monthly mortgage payment? The whole point of FHA is to make housing affordable, but the monthly loan payments don't seem that affordable...

What am I missing here? Is there a way to lower the monthly mortgage payment when using FHA or low-money-down loans?