I would like to pay for my fee out of. My federal return but the message says that option is not available yet because some of the forms are not available yet what does that mean?

There are a number of 2020 forms  — including the Form 1040 now that the 2nd stimulus passed — that are still being revised by the IRS and the states.  Click on the REVIEW tab to see what form(s) you are waiting for and when it is estimated to be ready (when operational ….and dates are subject to change) ... 

IRS Forms Availability Table for TurboTax Individual (Personal) Tax Products

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State Forms Availability Table for TurboTax Individual (Personal) Tax Products

You cannot go all the way through the FILE section unless all of your forms are ready.  When you can get to the payment screen, you can make the choice to pay an EXTRA refund processing fee of $39.99 ($44.99 in CA) in order to have the fees deducted from your federal refund IF your refund is enough to cover all the fees plus that extra fee.  You can avoid that hefty extra fee by paying upfront with a credit/debit card.