Single-image 3D human reconstruction aims to reconstruct the 3D textured surface of the human body given a single image. While implicit function-based methods recently achieved reasonable reconstruction performance, they still bear limitations showing degraded quality in both surface geometry and texture from an unobserved view. In response, to generate a realistic textured surface, we propose ReFu, a coarse-to-fine approach that refines the projected backside view image and fuses the refined image to predict the final human body. To suppress the diffused occupancy that causes noise in projection images and reconstructed meshes, we propose to train occupancy probability by simultaneously utilizing 2D and 3D supervisions with occupancy-based volume rendering. We also introduce a refinement architecture that generates detail-preserving backside-view images with front-to-back warping. Extensive experiments demonstrate that our method achieves state-of-the-art performance in 3D human reconstruction from a single image, showing enhanced geometry and texture quality from an unobserved view.