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Questions about fully refundable fare class

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I plan to book a fully refundable flight ticket, but I don't fully understand the definition of a fully refundable policy. Here are my questions:
  1. If I pay $1,000 to book a fully refundable ticket, I understand that this amount is fully refundable as long as I don’t make any changes.
  2. If I change my flight to one with a non-refundable fare and the fare difference is $100:
    • Once I make the change, will the entire ticket become non-refundable ($1,100)?
    • Or will only the fare difference ($100) be non-refundable, while the original refundable amount ($1,000) remains refundable?

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