Dessert

Hot Cocoa Fluff Dip Recipe

ByMaya Arden January 5, 2026January 5, 2026

Introduction

Hot Cocoa Fluff is a creamy, chocolatey dip that tastes just like your favorite warm drink, but with a fun, fluffy twist. Perfect for holiday gatherings or anytime you want a sweet treat to share, this dip pairs beautifully with cookies and fruit for dipping.

A bright red mug filled with smooth, dark chocolate mousse topped thickly with a fluffy white whipped cream layer, sprinkled with small white marshmallows and red and white candy cane pieces. A triangular graham cracker is dipped into the mousse, resting on the rim of the mug. The mug sits on a matching red plate arranged with golden brown round cookies in the front and broken rectangular graham crackers stacked on the side. Scattered mini marshmallows and candy cane bits are visible beside the plate. The whole scene is set on a white marbled surface. photo taken with an iphone --ar 4:5 --v 7

Ingredients

1 (8-oz.) pkg. cream cheese, room temperature
1 cup Marshmallow Fluff

3/4 cup plus 2 Tbsp. hot cocoa mix (from about 4 [1.38-oz.] packets)
1/2 cup heavy cream

1/4 cup unsweetened cocoa powder
Whipped cream, mini marshmallows, and holiday sprinkles, for serving (optional)

Oreos, graham crackers, shortbread cookies, peppermint sandwich cookies, and/or whole strawberries, for dipping

Instructions

Step 1: In the large bowl of a stand mixer fitted with the paddle attachment, beat cream cheese and Marshmallow Fluff on medium-high speed until light and fluffy, about 1 minute.
Step 2: Add hot cocoa mix, heavy cream, and cocoa powder. Beat on low speed until just combined, about 1 to 2 minutes. Then increase speed to medium-high and continue beating until the dip is smooth and the cocoa mix has fully dissolved, 2 to 3 minutes.

Step 3: Transfer the dip to a serving bowl. Top with whipped cream, mini marshmallows, and holiday sprinkles if desired. Serve with your choice of cookies and fruit for dipping.

Tips & Variations

Let the cream cheese soften completely at room temperature to ensure a smooth dip without lumps.
Use a hand mixer if you don’t have a stand mixer; just be sure to beat well for the fluffiest texture.

For a festive twist, try adding a pinch of cinnamon or a splash of peppermint extract to the dip.
Swap the heavy cream for half-and-half to lighten the dip with a slightly less rich flavor.

Storage

Store any leftover Hot Cocoa Fluff in an airtight container in the refrigerator for up to 3 days. Before serving again, stir the dip well and let it come to room temperature for about 15 minutes to soften, or briefly re-whip it to restore its light texture.

How to Serve

A red ceramic mug filled with three visible layers: the bottom layer is thick dark brown chocolate pudding, the middle layer is white whipped cream piled high with a soft fluffy texture, and the top layer consists of small white marshmallows mixed with red and white crushed peppermint candy pieces. The mug is placed on a matching red saucer, which is surrounded by golden brown round cookies and four rectangular golden brown graham crackers on the right. A woman's hand is dipping one of the graham crackers into the pudding near the top right of the image. The background is a white marbled texture. photo taken with an iphone --ar 4:5 --v 7

Serve this delicious recipe with your favorite sides.

FAQs

Can I make Hot Cocoa Fluff ahead of time?

Yes, this dip can be prepared a day in advance. Just keep it covered in the refrigerator and give it a good stir or quick re-whip before serving.

What can I use if I don’t have Marshmallow Fluff?

If Marshmallow Fluff is not available, you can substitute with an equal amount of marshmallow creme or even melted marshmallows cooled to room temperature, though the texture may vary slightly.