Step 1

In a bowl, stir together the refried beans, ¼ cup salsa, and cumin. Spread the mixture across the base of an 8-inch square baking dish.

Step 2

In another bowl, use a large fork to mash the avocado. Add the lime juice, half of the chopped jalapeño, and ¼ teaspoon salt, then stir until combined. Spread the mixture evenly on top of the beans.

Step 3

In another bowl, stir together the sour cream and the remaining jalapeño. Season it with a pinch or two of salt, to taste. Spread the sour cream over the beans.

Step 4

Pour the remaining salsa into a mesh colander over the sink to release the excess moisture. Spread the salsa over the mixture.

Step 5

Sprinkle the cheese all over, followed by the drained jalapeños, green onions, and cilantro.  Serve with tortilla chips.