If using a food processor, cut low-fat cheddar cheese into cubes. Process until finely chopped. Add ricotta cheese, process about 10 seconds. Add remaining ingredients, except milk, and process until all ingredients are finely chopped. Add milk as needed to reach desired consistency.
Serve with crackers or crisp vegetable sticks.
Each serving contains about: Calories 79.3, Fat 5.61G, Sodium 58.0MG, Cholesterol 10.4MG, Protein 3.58G, Carbohydrates 4.71G, Fiber 1.10G