Using your info ... 55K/0WH/4kids(3 under 17)/7000 stim cr advance/4500 advance CTC .... I get a refund of $3200 which is correct. Remember you have an 18 year old on the 2021 return so the credit you got for that child was reduced from $2000 to only $500.
This is close to the usual $4000 refund you are used to. Many will be surprised this year that their refunds are less due to the advance CTC payments.
