diff --git a/src/cpp/ripple/OfferCreateTransactor.cpp b/src/cpp/ripple/OfferCreateTransactor.cpp
index 92a085e010..0d6ccfc3d3 100644
--- a/src/cpp/ripple/OfferCreateTransactor.cpp
+++ b/src/cpp/ripple/OfferCreateTransactor.cpp
@@ -326,6 +326,16 @@ TER OfferCreateTransactor::doApply()
 
 		terResult	= terUNFUNDED;
 	}
+	else if (isSetBit(mParams, tapOPEN_LEDGER)) // Ledger is not final, can vote no.
+	{
+		const STAmount	saSrcXRPBalance	= mTxnAccount->getFieldAmount(sfBalance);
+		const uint32	uOwnerCount		= mTxnAccount->getFieldU32(sfOwnerCount);
+		// The reserve required to create the line.
+		const uint64	uReserveCreate	= theApp->scaleFeeBase(theConfig.FEE_ACCOUNT_RESERVE + uOwnerCount*theConfig.FEE_OWNER_RESERVE);
+
+		if (saSrcXRPBalance.getNValue() < uReserveCreate)					// Have enough reserve prior to creating offer?
+			terResult	= terINSUF_RESERVE_OFFER;
+	}
 
 	if (tesSUCCESS == terResult && !saTakerPays.isNative())
 	{
@@ -384,16 +394,10 @@ TER OfferCreateTransactor::doApply()
 	// Log(lsWARNING) << "doOfferCreate: takeOffers: uPaysIssuerID=" << RippleAddress::createHumanAccountID(uPaysIssuerID);
 	// Log(lsWARNING) << "doOfferCreate: takeOffers: uGetsIssuerID=" << RippleAddress::createHumanAccountID(uGetsIssuerID);
 
-	const STAmount	saSrcXRPBalance	= mTxnAccount->getFieldAmount(sfBalance);
-	const uint32	uOwnerCount		= mTxnAccount->getFieldU32(sfOwnerCount);
-	// The reserve required to create the line.
-	const uint64	uReserveCreate	= theApp->scaleFeeBase(theConfig.FEE_ACCOUNT_RESERVE + (uOwnerCount+1)* theConfig.FEE_OWNER_RESERVE);
-
 	if (tesSUCCESS == terResult
 		&& saTakerPays														// Still wanting something.
 		&& saTakerGets														// Still offering something.
-		&& mEngine->getNodes().accountFunds(mTxnAccountID, saTakerGets, true).isPositive()	// Still funded.
-		&& saSrcXRPBalance.getNValue() >= uReserveCreate)					// Have enough reserve to create offer.
+		&& mEngine->getNodes().accountFunds(mTxnAccountID, saTakerGets, true).isPositive())	// Still funded.
 	{
 		// We need to place the remainder of the offer into its order book.
 		Log(lsINFO) << boost::str(boost::format("doOfferCreate: offer not fully consumed: saTakerPays=%s saTakerGets=%s")
diff --git a/src/cpp/ripple/PaymentTransactor.cpp b/src/cpp/ripple/PaymentTransactor.cpp
index c4d8a7c6f3..a911dfbe7c 100644
--- a/src/cpp/ripple/PaymentTransactor.cpp
+++ b/src/cpp/ripple/PaymentTransactor.cpp
@@ -83,7 +83,7 @@ TER PaymentTransactor::doApply()
 			// Another transaction could create the account and then this transaction would succeed.
 			return terNO_DST;
 		}
-		else if (isSetBit(mParams, tapOPEN_LEDGER)							// Ledger is not final, we can vote.
+		else if (isSetBit(mParams, tapOPEN_LEDGER)												// Ledger is not final, can vote no.
 			&& saDstAmount.getNValue() < theApp->scaleFeeBase(theConfig.FEE_ACCOUNT_RESERVE))	// Reserve is not scaled by load.
 		{
 			Log(lsINFO) << "doPayment: Delay transaction: Destination account does not exist. Insufficent payment to create account.";
diff --git a/src/cpp/ripple/TransactionErr.cpp b/src/cpp/ripple/TransactionErr.cpp
index a36107e3b4..3b88387747 100644
--- a/src/cpp/ripple/TransactionErr.cpp
+++ b/src/cpp/ripple/TransactionErr.cpp
@@ -50,7 +50,8 @@ bool transResultInfo(TER terCode, std::string& strToken, std::string& strHuman)
 		{	terDIR_FULL,			"terDIR_FULL",				"Can not add entry to full dir."						},
 		{	terFUNDS_SPENT,			"terFUNDS_SPENT",			"Can't set password, password set funds already spent."	},
 		{	terINSUF_FEE_B,			"terINSUF_FEE_B",			"Account balance can't pay fee."						},
-		{	terINSUF_RESERVE,		"terINSUF_RESERVE",			"Insufficent reserve to add trust line."				},
+		{	terINSUF_RESERVE_LINE,	"terINSUF_RESERVE_LINE",	"Insufficent reserve to add trust line."				},
+		{	terINSUF_RESERVE_OFFER,	"terINSUF_RESERVE_OFFER",	"Insufficent reserve to create offer."					},
 		{	terNO_ACCOUNT,			"terNO_ACCOUNT",			"The source account does not exist."					},
 		{	terNO_DST,				"terNO_DST",				"Destination does not exist. Send XRP to create it."	},
 		{	terNO_DST_INSUF_XRP,	"terNO_DST_INSUF_XRP",		"Destination does not exist. Too little XRP sent to create it."		},
diff --git a/src/cpp/ripple/TransactionErr.h b/src/cpp/ripple/TransactionErr.h
index 0a17405ec0..552b4fcb9d 100644
--- a/src/cpp/ripple/TransactionErr.h
+++ b/src/cpp/ripple/TransactionErr.h
@@ -80,7 +80,8 @@ enum TER	// aka TransactionEngineResult
 	terDIR_FULL,
 	terFUNDS_SPENT,
 	terINSUF_FEE_B,
-	terINSUF_RESERVE,
+	terINSUF_RESERVE_LINE,
+	terINSUF_RESERVE_OFFER,
 	terNO_ACCOUNT,
 	terNO_DST,
 	terNO_DST_INSUF_XRP,
diff --git a/src/cpp/ripple/TrustSetTransactor.cpp b/src/cpp/ripple/TrustSetTransactor.cpp
index 0447e13e47..26d14fa9d2 100644
--- a/src/cpp/ripple/TrustSetTransactor.cpp
+++ b/src/cpp/ripple/TrustSetTransactor.cpp
@@ -239,7 +239,7 @@ TER TrustSetTransactor::doApply()
 			Log(lsINFO) << "doTrustSet: Delay transaction: Insufficent reserve to add trust line.";
 
 			// Another transaction could provide XRP to the account and then this transaction would succeed.
-			terResult	= terINSUF_RESERVE;
+			terResult	= terINSUF_RESERVE_LINE;
 		}
 		else
 		{