Deductible Mortgage Interest - Average Loan Balance

On the screen, it says "You may need to limit the deductible mortgage interest  on your home acquisition debt if any of these situations apply:

  • Avg Loan Balance exceeds $1M....
  • Avg Loan Balance Exceeds $750k...

Then you choose if that does or doesn't apply to me. When I select that it doesn't, which is accurate, my Federal Tax Due calculator updates to a refund. However when I click continue, that refund goes away to a balance owed. Not sure what's going on there.