Forget boring nachos; these Loaded Tater Tots (we call them Totchos) are what your game day spread is missing. Crispy golden tots get piled high with seasoned beef, sharp cheddar, jalapeños, pickled onions, and a tangy lime crema that'll make you forget chips ever existed. The tots stay crispier than tortilla chips, the seasoned beef is better than any taco kit, and that lime crema? It's the finishing touch that makes people ask for the recipe.
Whisk the sour cream, lime juice, garlic powder, and salt together in a small bowl.
Stir in the water one tablespoon at a time. Stop adding water when the mixture reaches a thin drizzling consistency.
Set aside in the fridge until ready to use.
Cook the Tater Tots
Cook the tater tots according to the directions on the package. Make sure they are very crispy and golden brown.
Season the hot tots immediately with the salt and pepper.
Cook the Ground Beef
Preheat oven to 425°F.
Mix the chili powder, cornstarch, salt, cumin, garlic powder, oregano, black pepper, and cayenne pepper together in a small bowl.
Cook the ground beef in a large skillet over medium high heat.
Break the meat apart with a wooden spoon. Add the onion to the skillet once the beef is halfway browned.
Cook until the onion is soft and the beef is fully browned. Drain the excess fat from the pan.
Sprinkle the spice mixture over the cooked beef and onions.
Stir well to coat the meat with the dry spices.
Pour in the water. Simmer the mixture for about 5 minutes, until thickened.
Assemble the Tatchos
Arrange the baked tots in a layer on a baking sheet.
Layer a ⅓ of the cheese over the tater tots. Spoon the beef and onion mixture evenly over the cheese.
Top with the remaining cheddar cheese.
Bake for 5-8 minutes. Remove the pan when the cheese is completely melted and bubbling around the edges.
Garnish and Serve
Scatter jalapeno, pickled red onions, and green onions over the melted cheese. Spoon the pico de gallo over the center.
Drizzle the prepared lime crema over the entire dish. Serve immediately.
Notes
Crisp matters. Bake (or air fry) the tater tots until deeply golden and firm. Pale or soft tots will collapse once the beef and cheese go on.
Air fryer option: The air fryer gives the best tater tot texture. It’s not realistic for assembling nachos start to finish, but air frying the tots first makes them extra crisp and sturdy before topping and baking. If you have the space, it only improves the final dish.
Saucy, not soupy beef. The cornstarch thickens the seasoning so it clings to the meat. The beef should look glossy and cohesive before assembling — not dry and not watery.
Drain the wet stuff. Lightly drain pico de gallo and pickled onions so they add freshness without sogginess.
Grate your own cheese. Pre-shredded cheese doesn’t melt as smoothly and won’t give you the same pull when serving.
Serve immediately. These are at their best straight out of the oven while the cheese is molten and the tots stay crisp.