It sounds like you underpaid your taxes for 2022 and did not realize that until you finished and printed your return. The numbers across the top of the return are a guide to what is happening and change each time a new document is entered. In my case, I also showed a refund coming until I got to a 1099-R that I had not entered. The number on top is just an indication of where you are in the return. It changes as you work and is never guaranteed.
Refunds are calculated when your withholding for the year exceeds the amount you paid in estimated and withheld taxes during that year. It is not paid by TurboTax, it is just computed by TurboTax based on your income and withholding.
