Why does my refund show lower in the check out screen

[xmasbaby0]

Lower than what?   We cannot see your screen, so we do not know what amounts you have looked at or where you saw them.

The “summary” given to you by TurboTax may have confused you.  That summary just nets out the difference between a refund you are getting and an amount you owe.   Or it adds two refunds or tax “due” amounts together.

The federal and state treasuries are completely separate from each other.  

Your state tax due cannot be paid from a federal refund.

And….your federal tax due cannot be paid from a state refund.  

Neither refund can be used to pay the amount due to the other one.

If you owe tax due, you have to pay it yourself by the filing deadline on April 15, 2026.