And that's before frying. There are low-fat versions available, however. Black beans are great and can be easily spiced up. Use the nonfat if you can stand it. If you substitute mozzarella for Cheddar, Colby or Monterey Jack, you can generally cut the fat by half.
Tortilla chips are a worry.
You have to have them for the salsa, but you don't have to have them fried. Here is a recipe offered by Cowin. This looks like a lot of fat, but serve over rice and although you will increase the calories, you will be decreasing the percentage of fat in the dish. Plus you'll be adding those all important carbohydrates. If you don't like this one, there are several others to follow.