diff --git a/src/cpp/ripple/OfferCreateTransactor.cpp b/src/cpp/ripple/OfferCreateTransactor.cpp
index 76f563660..d2acfe925 100644
--- a/src/cpp/ripple/OfferCreateTransactor.cpp
+++ b/src/cpp/ripple/OfferCreateTransactor.cpp
@@ -466,7 +466,7 @@ TER OfferCreateTransactor::doApply()
 		// Complete as is.
 		nothing();
 	}
-	else if (mTxnAccount->getFieldAmount(sfBalance).getNValue() < mEngine->getLedger()->getReserve(mTxnAccount->getFieldU32(sfOwnerCount)+1))
+	else if (mPriorBalance.getNValue() < mEngine->getLedger()->getReserve(mTxnAccount->getFieldU32(sfOwnerCount)+1))
 	{
 		if (isSetBit(mParams, tapOPEN_LEDGER)) // Ledger is not final, can vote no.
 		{
diff --git a/src/cpp/ripple/PaymentTransactor.cpp b/src/cpp/ripple/PaymentTransactor.cpp
index 0f72167c7..9af301117 100644
--- a/src/cpp/ripple/PaymentTransactor.cpp
+++ b/src/cpp/ripple/PaymentTransactor.cpp
@@ -190,24 +190,22 @@ TER PaymentTransactor::doApply()
 	{
 		// Direct XRP payment.
 
-		const STAmount	saSrcXRPBalance	= mTxnAccount->getFieldAmount(sfBalance);
 		const uint32	uOwnerCount		= mTxnAccount->getFieldU32(sfOwnerCount);
 		const uint64	uReserve		= mEngine->getLedger()->getReserve(uOwnerCount);
-		STAmount		saPaid			= mTxn.getTransactionFee();
 
 		// Make sure have enough reserve to send. Allow final spend to use reserve for fee.
-		if (saSrcXRPBalance + saPaid < saDstAmount + uReserve)		// Reserve is not scaled by fee.
+		if (mPriorBalance < saDstAmount + uReserve)		// Reserve is not scaled by fee.
 		{
 			// Vote no. However, transaction might succeed, if applied in a different order.
 			cLog(lsINFO) << "";
 			cLog(lsINFO) << boost::str(boost::format("Payment: Delay transaction: Insufficient funds: %s / %s (%d)")
-				% saSrcXRPBalance.getText() % (saDstAmount + uReserve).getText() % uReserve);
+				% mPriorBalance.getText() % (saDstAmount + uReserve).getText() % uReserve);
 
 			terResult	= tecUNFUNDED_PAYMENT;
 		}
 		else
 		{
-			mTxnAccount->setFieldAmount(sfBalance, saSrcXRPBalance - saDstAmount);
+			mTxnAccount->setFieldAmount(sfBalance, mSourceBalance - saDstAmount);
 			sleDst->setFieldAmount(sfBalance, sleDst->getFieldAmount(sfBalance) + saDstAmount);
 
 			// re-arm the password change fee if we can and need to
diff --git a/src/cpp/ripple/Transactor.cpp b/src/cpp/ripple/Transactor.cpp
index f3bd4e1a4..a95d4f398 100644
--- a/src/cpp/ripple/Transactor.cpp
+++ b/src/cpp/ripple/Transactor.cpp
@@ -202,8 +202,9 @@ TER Transactor::apply()
 	}
 	else
 	{
-		mSourceBalance	= mTxnAccount->getFieldAmount(sfBalance);
-		mHasAuthKey	= mTxnAccount->isFieldPresent(sfRegularKey);
+		mPriorBalance	= mTxnAccount->getFieldAmount(sfBalance);
+		mSourceBalance	= mPriorBalance;
+		mHasAuthKey		= mTxnAccount->isFieldPresent(sfRegularKey);
 	}
 
 	terResult = checkSeq();
diff --git a/src/cpp/ripple/Transactor.h b/src/cpp/ripple/Transactor.h
index bce4c4e36..8a2d276d3 100644
--- a/src/cpp/ripple/Transactor.h
+++ b/src/cpp/ripple/Transactor.h
@@ -10,15 +10,16 @@ class Transactor
 {
 protected:
 	const SerializedTransaction&	mTxn;
-	TransactionEngine*		mEngine;
-	TransactionEngineParams		mParams;
+	TransactionEngine*				mEngine;
+	TransactionEngineParams			mParams;
 
-	uint160				mTxnAccountID;
-	STAmount			mFeeDue;
-	STAmount			mSourceBalance;
-	SLE::pointer			mTxnAccount;
-	bool				mHasAuthKey;
-	RippleAddress			mSigningPubKey;
+	uint160							mTxnAccountID;
+	STAmount						mFeeDue;
+	STAmount						mPriorBalance;	// Balance before fees.
+	STAmount						mSourceBalance;	// Balance after fees.
+	SLE::pointer					mTxnAccount;
+	bool							mHasAuthKey;
+	RippleAddress					mSigningPubKey;
 
 	TER preCheck();
 	TER checkSeq();
diff --git a/src/cpp/ripple/TrustSetTransactor.cpp b/src/cpp/ripple/TrustSetTransactor.cpp
index 4a66bcd78..df379f13d 100644
--- a/src/cpp/ripple/TrustSetTransactor.cpp
+++ b/src/cpp/ripple/TrustSetTransactor.cpp
@@ -73,7 +73,6 @@ TER TrustSetTransactor::doApply()
 		return tecNO_DST;
 	}
 
-	const STAmount	saSrcXRPBalance	= mTxnAccount->getFieldAmount(sfBalance);
 	const uint32	uOwnerCount		= mTxnAccount->getFieldU32(sfOwnerCount);
 	// The reserve required to create the line.
 	const uint64	uReserveCreate	= mEngine->getLedger()->getReserve(uOwnerCount + 1);
@@ -263,7 +262,7 @@ TER TrustSetTransactor::doApply()
 			mEngine->entryDelete(sleRippleState);
 		}
 		else if (bReserveIncrease
-			&& saSrcXRPBalance.getNValue() < uReserveCreate)	// Reserve is not scaled by load.
+			&& mPriorBalance.getNValue() < uReserveCreate)	// Reserve is not scaled by load.
 		{
 			cLog(lsINFO) << "doTrustSet: Delay transaction: Insufficent reserve to add trust line.";
 
@@ -286,7 +285,7 @@ TER TrustSetTransactor::doApply()
 
 		return tecNO_LINE_REDUNDANT;
 	}
-	else if (saSrcXRPBalance.getNValue() < uReserveCreate)		// Reserve is not scaled by load.
+	else if (mPriorBalance.getNValue() < uReserveCreate)		// Reserve is not scaled by load.
 	{
 		cLog(lsINFO) << "doTrustSet: Delay transaction: Line does not exist. Insufficent reserve to create line.";