If you’re on the hunt for a crowd-pleaser at your next gathering, look no further than Loaded Texas Trash Dip. This indulgent dip is not only loaded with creamy textures and bold flavors, but it’s also incredibly easy to whip up. Whether you’re serving it at a game day party, a cozy family gathering, or simply enjoying a movie night at home, this dip is guaranteed to be a hit. With layers of creamy refried beans, zesty taco seasoning, and an abundance of cheese, it’s a dip that will have everyone coming back for more.
Why This Recipe is a Keeper

Loaded Texas Trash Dip is the epitome of comfort food. It combines all the best elements of Tex-Mex cuisine into a single dish that is rich, savory, and utterly satisfying. The creamy base made from cream cheese and sour cream provides a delightful contrast to the seasoned beans and melty cheese. Plus, it’s customizable—add your favorite toppings like chopped cilantro, cherry tomatoes, and sliced avocados to make it your own! This recipe is not only delicious but also perfect for sharing, making it a staple for any social occasion.
Ingredient Breakdown
To create this mouthwatering Loaded Texas Trash Dip, you’ll need the following ingredients:
- 1 (8 ounce) package cream cheese – This forms the creamy base of the dip.
- 1 cup sour cream – Adds tanginess and creaminess.
- 2 (16 ounce) cans refried beans – The hearty layer that forms the foundation.
- 1 package McCormick Taco Seasoning Mix – Infuses the dip with a burst of flavor.
- 4 cups shredded Mexican cheese blend (divided) – Provides gooey, melty goodness.
- Chopped cilantro – Offers a fresh touch to balance the richness.
- Cherry tomatoes – Adds a pop of color and sweetness.
- Sliced avocados – Brings creaminess and healthy fats.
Tools of the Trade
To make your cooking experience seamless, gather these tools:
- Mixing Bowl – For combining the creamy base ingredients.
- 9×13 inch Baking Dish – The perfect size for layering your dip.
- Spatula – Essential for spreading and mixing.
- Oven – To bake the dip until bubbly and golden.
- Knife – For chopping the toppings like cilantro and avocados.
The Method for Loaded Texas Trash Dip

Step 1: Preheat the Oven
Start by preheating your oven to 350°F (175°C). This ensures that your dip will bake evenly and achieve that perfect bubbly texture.
Step 2: Mix the Creamy Base
In a large mixing bowl, combine the cream cheese and sour cream. Use a spatula or electric mixer to blend them together until smooth and creamy.
Step 3: Add Refried Beans and Taco Seasoning
Add the refried beans and the Taco Seasoning Mix to the creamy mixture. Stir until well combined, ensuring the seasoning is evenly distributed throughout.
Step 4: Layer the Dip
Spread the refried bean mixture evenly in the bottom of a 9×13 inch baking dish. Then, sprinkle 2 cups of the shredded Mexican cheese blend over the top.
Step 5: Bake to Perfection
Place the dish in the preheated oven and bake for about 20-25 minutes, or until the cheese is melted and bubbly.
Step 6: Add Toppings
Once out of the oven, let the dip cool for a few minutes. Then, top with the remaining shredded cheese, chopped cilantro, cherry tomatoes, and sliced avocados.
Step 7: Serve and Enjoy
Serve the Loaded Texas Trash Dip warm with your favorite tortilla chips or veggie sticks. Watch as everyone digs in and savors every bite!
Substitutions by Category

If you need to make adjustments based on dietary preferences or ingredient availability, consider these substitutions:
- Cheese: Use a dairy-free cheese blend if you want a vegan option.
- Sour Cream: Greek yogurt can be a healthier alternative with a similar tanginess.
- Beans: Black beans or pinto beans can replace refried beans for a different texture.
- Avocados: Guacamole can be used for a more intense avocado flavor.
Frequent Missteps to Avoid
To ensure your Loaded Texas Trash Dip turns out perfectly, keep these common pitfalls in mind:
- Don’t skip the mixing of cream cheese and sour cream thoroughly; otherwise, you may end up with lumps in your dip.
- Watch the baking time closely to avoid overcooking the dip, which can lead to a rubbery texture.
- Be generous with the cheese! It’s a key component of the dip, and less cheese means less flavor.
- Don’t forget to let it cool slightly before adding fresh toppings; this prevents them from wilting.
Storage & Reheat Guide
If you have any leftovers of this delightful Loaded Texas Trash Dip, follow these guidelines for storage and reheating:
Store any leftover dip in an airtight container in the refrigerator for up to 3 days. When you’re ready to enjoy it again, simply reheat in the oven at 350°F (175°C) for about 10-15 minutes, or until warmed through. You can also microwave it for a quick fix, but be cautious to avoid overheating.
Reader Questions
Can I make Loaded Texas Trash Dip ahead of time?
Absolutely! You can prepare the dip in advance, cover it, and refrigerate it. Just bake it right before serving for the best results.
What can I serve with this dip?
This dip pairs perfectly with tortilla chips, pita chips, or even fresh veggies like carrots and celery for dipping. You can also try it with Taco Oyster Crackers for a fun twist!
Can I freeze Loaded Texas Trash Dip?
While it’s not recommended to freeze the entire dip, you can freeze the bean and cheese layers separately. Just reassemble and bake when you’re ready to enjoy!
How can I spice it up?
If you want to add heat, consider mixing in some diced jalapeños or a dash of hot sauce to the bean mixture before baking. You can also sprinkle some crushed red pepper flakes on top before serving!
To round off your gathering, why not serve a sweet treat? Here are some delicious dessert ideas:
Ready to Cook?
Gather your ingredients and tools, and get ready to create a dish that will become a staple at every gathering. The Loaded Texas Trash Dip is not just a recipe; it’s an experience filled with flavor, fun, and a touch of Tex-Mex magic. Whether you’re sharing it with friends or enjoying it solo, this dip is sure to satisfy your cravings and leave everyone asking for the recipe!

Loaded Texas Trash Dip
Ingredients
Equipment
Method
- Preheat your oven to 350°F (175°C).
- In a large mixing bowl, combine the cream cheese and sour cream. Blend until smooth and creamy.
- Add the refried beans and Taco Seasoning Mix to the creamy mixture. Stir until well combined.
- Spread the refried bean mixture evenly in the bottom of a 9x13 inch baking dish. Sprinkle 2 cups of shredded cheese over the top.
- Place the dish in the preheated oven and bake for about 20-25 minutes, or until the cheese is melted and bubbly.
- Once out of the oven, let the dip cool for a few minutes. Top with remaining shredded cheese, chopped cilantro, cherry tomatoes, and sliced avocados.
- Serve warm with tortilla chips or veggie sticks.
Notes
- Store leftovers in an airtight container for up to 3 days.
- Reheat in the oven at 350°F (175°C) for 10-15 minutes.
- Add diced jalapeños for a spicy kick!
