Top of screen says my federal refund is $1,184, but when I go to file, it says I'm only getting $656. Why?

I'm also due $508 from state. The above is strictly federal.

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$656 is the net of the two, assuming you OWE state $508.  This is shown just FYI.

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No, not the net of the two. I'm also owed state refund.

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The maybe you OWE Federal $1,184? Look at the actual tax forms.