Why can't I download my 2019 1040 federal return? System saves/prints the state returns

Have you paid your TurboTax fees yet, or elected to have your TurboTax fees withheld?

fees are being withheld from refund.

You should be able to download your return once your refund has been issued but not before. That is because you chose to pay with your refund. Please refer to the article below about Refund Processing.

What is Refund Processing Service? - Community