diff --git a/client/asset/btc/btc.go b/client/asset/btc/btc.go
index 46d7ed48a2..254da073d3 100644
--- a/client/asset/btc/btc.go
+++ b/client/asset/btc/btc.go
@@ -1192,8 +1192,8 @@ func newUnconnectedWallet(cfg *BTCCloneCFG, walletCfg *WalletConfig) (*baseWalle
 		useLegacyBalance:  cfg.LegacyBalance,
 		balanceFunc:       cfg.BalanceFunc,
 		segwit:            cfg.Segwit,
-		initTxSize:        uint64(initTxSize),
-		initTxSizeBase:    uint64(initTxSizeBase),
+		initTxSize:        initTxSize,
+		initTxSizeBase:    initTxSizeBase,
 		signNonSegwit:     nonSegwitSigner,
 		localFeeRate:      cfg.FeeEstimator,
 		externalFeeRate:   cfg.ExternalFeeEstimator,
@@ -4794,8 +4794,8 @@ func (btc *baseWallet) MakeBondTx(ver uint16, amt, feeRate uint64, lockTime time
 		return nil, nil, fmt.Errorf("error constructing p2sh script: %v", err)
 	}
 	txOut := wire.NewTxOut(int64(amt), pkScript)
-	if dexbtc.IsDust(txOut, feeRate) {
-		return nil, nil, fmt.Errorf("bond output value of %d is dust", amt)
+	if btc.IsDust(txOut, feeRate) {
+		return nil, nil, fmt.Errorf("bond output value of %d (fee rate %d) is dust", amt, feeRate)
 	}
 	baseTx.AddTxOut(txOut)
 
@@ -4951,7 +4951,7 @@ func (btc *baseWallet) makeBondRefundTxV0(txid *chainhash.Hash, vout uint32, amt
 	}
 	redeemTxOut := wire.NewTxOut(int64(amt-fee), redeemPkScript)
 	if btc.IsDust(redeemTxOut, feeRate) { // hard to imagine
-		return nil, fmt.Errorf("bond redeem output is dust")
+		return nil, fmt.Errorf("bond redeem output (amt = %d, feeRate = %d, outputSize = %d) is dust", amt, feeRate, redeemTxOut.SerializeSize())
 	}
 	msgTx.AddTxOut(redeemTxOut)
 
diff --git a/client/asset/zec/zec.go b/client/asset/zec/zec.go
index f9ef1e6c26..a74e102cd5 100644
--- a/client/asset/zec/zec.go
+++ b/client/asset/zec/zec.go
@@ -711,14 +711,15 @@ func (w *zecWallet) FundOrder(ord *asset.Order) (asset.Coins, []dex.Bytes, uint6
 		spents = []*btc.Output{op}
 	} else if useSplit {
 		// No shielded split needed. Should we do a split to avoid overlock.
-		baggage := dexzec.TxFeesZIP317(inputsSize, 2*dexbtc.P2PKHOutputSize+1, 0, 0, 0, 0)
-		excess := sum - dexzec.RequiredOrderFunds(ord.Value, 1, dexbtc.RedeemP2PKHInputSize, ord.MaxSwapCount)
-		if baggage >= excess {
+		splitTxFees := dexzec.TxFeesZIP317(inputsSize, 2*dexbtc.P2PKHOutputSize+1, 0, 0, 0, 0)
+		requiredForOrderWithoutSplit := dexzec.RequiredOrderFunds(ord.Value, uint64(len(coins)), inputsSize, ord.MaxSwapCount)
+		excessWithoutSplit := sum - requiredForOrderWithoutSplit
+		if splitTxFees >= excessWithoutSplit {
 			w.log.Debugf("Skipping split transaction because cost is greater than potential over-lock. "+
-				"%s > %s", btcutil.Amount(baggage), btcutil.Amount(excess))
+				"%s > %s", btcutil.Amount(splitTxFees), btcutil.Amount(excessWithoutSplit))
 		} else {
 			splitOutputVal := dexzec.RequiredOrderFunds(ord.Value, 1, dexbtc.RedeemP2PKHInputSize, ord.MaxSwapCount)
-			transparentSplitFees = baggage
+			transparentSplitFees = splitTxFees
 			baseTx, _, _, err := w.fundedTx(spents)
 			if err != nil {
 				return nil, nil, 0, fmt.Errorf("fundedTx error: %w", err)
@@ -782,7 +783,6 @@ func (w *zecWallet) FundOrder(ord *asset.Order) (asset.Coins, []dex.Bytes, uint6
 	if err != nil {
 		return nil, nil, 0, newError(errLockUnspent, "LockUnspent error: %w", err)
 	}
-
 	return coins, redeemScripts, shieldedSplitFees + transparentSplitFees, nil
 }
 
diff --git a/client/webserver/site/src/js/markets.ts b/client/webserver/site/src/js/markets.ts
index 35d5264fd5..3ac622aae4 100644
--- a/client/webserver/site/src/js/markets.ts
+++ b/client/webserver/site/src/js/markets.ts
@@ -3291,7 +3291,6 @@ class BalanceWidget {
         side.parentBal = balTmpl.bal
       }
     }
-
     addRow(intl.prep(intl.ID_AVAILABLE), bal.available, asset.unitInfo)
     addRow(intl.prep(intl.ID_LOCKED), bal.locked + bal.contractlocked + bal.bondlocked, asset.unitInfo)
     addRow(intl.prep(intl.ID_IMMATURE), bal.immature, asset.unitInfo)
diff --git a/dex/networks/btc/script.go b/dex/networks/btc/script.go
index 317c983bbb..f9cb08a6ff 100644
--- a/dex/networks/btc/script.go
+++ b/dex/networks/btc/script.go
@@ -413,12 +413,12 @@ func IsDust(txOut *wire.TxOut, minRelayTxFee uint64) bool {
 }
 
 // IsDustVal is like IsDust but only takes the txSize, amount and if segwit.
-func IsDustVal(txSize, value, minRelayTxFee uint64, segwit bool) bool {
-	totalSize := txSize + 41
+func IsDustVal(txOutSize, value, minRelayTxFee uint64, segwit bool) bool {
+	totalSize := txOutSize + 41
 	if segwit {
 		// This function is taken from btcd, but noting here that we are not
 		// rounding up and probably should be.
-		totalSize += (107 / witnessWeight)
+		totalSize += (107 / witnessWeight) // + 26
 	} else {
 		totalSize += 107
 	}
diff --git a/dex/networks/dcr/script.go b/dex/networks/dcr/script.go
index a83069ad71..27360ad2b6 100644
--- a/dex/networks/dcr/script.go
+++ b/dex/networks/dcr/script.go
@@ -631,8 +631,8 @@ func IsDust(txOut *wire.TxOut, minRelayTxFee uint64) bool {
 
 // IsDustVal is like IsDust but it only needs the size of the serialized output
 // and its amount.
-func IsDustVal(sz, amt, minRelayTxFee uint64) bool {
-	totalSize := sz + 165
+func IsDustVal(txOutSize, amt, minRelayTxFee uint64) bool {
+	totalSize := txOutSize + 165
 	return amt/(3*totalSize) < minRelayTxFee
 }
 
diff --git a/dex/testing/dcrdex/harness.sh b/dex/testing/dcrdex/harness.sh
index 19b9105320..c29f07a300 100755
--- a/dex/testing/dcrdex/harness.sh
+++ b/dex/testing/dcrdex/harness.sh
@@ -301,6 +301,11 @@ if [[ -n ${NODERELAY} ]]; then
     DCR_CONFIG_PATH="${RELAY_CONF_PATH}"
 fi
 
+# For BTC, the min bond size that avoids the dust filter is fee_rate * 330
+# To avoid the refund tx output being dust, add fee_rate * 118
+# So the total min bond size is = fee_rate * 448
+# Using maxFeeRate of 100, this means min bond size of 44800.
+
 cat << EOF >> "./markets.json"
     }
     ],
@@ -311,9 +316,6 @@ cat << EOF >> "./markets.json"
             "maxFeeRate": 10,
             "swapConf": 1,
             "configPath": "${DCR_CONFIG_PATH}",
-            "regConfs": 1,
-            "regFee": 100000000,
-            "regXPub": "spubVWKGn9TGzyo7M4b5xubB5UV4joZ5HBMNBmMyGvYEaoZMkSxVG4opckpmQ26E85iHg8KQxrSVTdex56biddqtXBerG9xMN8Dvb3eNQVFFwpE",
             "bondAmt": 50000000,
             "bondConfs": 1,
             "nodeRelayID": "${DCR_NODERELAY_ID}"
@@ -324,10 +326,7 @@ cat << EOF >> "./markets.json"
             "maxFeeRate": 100,
             "swapConf": 1,
             "configPath": "${BTC_CONFIG_PATH}",
-            "regConfs": 2,
-            "regFee": 20000000,
-            "regXPub": "vpub5SLqN2bLY4WeZJ9SmNJHsyzqVKreTXD4ZnPC22MugDNcjhKX5xNX9QiQWcE4SSRzVWyHWUihpKRT7hckDGNzVc69wSX2JPcfGeNiT5c2XZy",
-            "bondAmt": 10000,
+            "bondAmt": 50000,
             "bondConfs": 1,
             "nodeRelayID": "${BTC_NODERELAY_ID}"
 EOF
diff --git a/server/asset/btc/btc.go b/server/asset/btc/btc.go
index 52e731a3db..1cc862eea4 100644
--- a/server/asset/btc/btc.go
+++ b/server/asset/btc/btc.go
@@ -17,6 +17,7 @@ import (
 	"time"
 
 	"decred.org/dcrdex/dex"
+	"decred.org/dcrdex/dex/calc"
 	"decred.org/dcrdex/dex/config"
 	dexbtc "decred.org/dcrdex/dex/networks/btc"
 	"decred.org/dcrdex/server/account"
@@ -514,6 +515,11 @@ func (btc *Backend) FundingCoin(_ context.Context, coinID []byte, redeemScript [
 	return utxo, nil
 }
 
+func (*Backend) ValidateOrderFunding(swapVal, valSum, _, inputsSize, maxSwaps uint64, nfo *dex.Asset) bool {
+	reqVal := calc.RequiredOrderFunds(swapVal, inputsSize, maxSwaps, nfo)
+	return valSum >= reqVal
+}
+
 // ValidateCoinID attempts to decode the coinID.
 func (btc *Backend) ValidateCoinID(coinID []byte) (string, error) {
 	txid, vout, err := decodeCoinID(coinID)
diff --git a/server/asset/common.go b/server/asset/common.go
index 234d2c9dae..c86fa9c3c2 100644
--- a/server/asset/common.go
+++ b/server/asset/common.go
@@ -100,6 +100,8 @@ type OutputTracker interface {
 	// with non-standard pkScripts or scripts that require zero signatures to
 	// redeem must return an error.
 	FundingCoin(ctx context.Context, coinID []byte, redeemScript []byte) (FundingCoin, error)
+	// ValidateOrderFunding validates that the supplied utxos are enough to fund an order.
+	ValidateOrderFunding(swapVal, valSum, inputCount, inputsSize, maxSwaps uint64, nfo *dex.Asset) bool
 }
 
 // AccountBalancer is implemented by backends for account-based blockchains.
diff --git a/server/asset/dcr/dcr.go b/server/asset/dcr/dcr.go
index b0ddfbd9d9..b9dce320cd 100644
--- a/server/asset/dcr/dcr.go
+++ b/server/asset/dcr/dcr.go
@@ -18,6 +18,7 @@ import (
 	"time"
 
 	"decred.org/dcrdex/dex"
+	"decred.org/dcrdex/dex/calc"
 	dexdcr "decred.org/dcrdex/dex/networks/dcr"
 	"decred.org/dcrdex/server/account"
 	"decred.org/dcrdex/server/asset"
@@ -575,6 +576,11 @@ func ValidateXPub(xpub string) error {
 	return nil
 }
 
+func (*Backend) ValidateOrderFunding(swapVal, valSum, _, inputsSize, maxSwaps uint64, nfo *dex.Asset) bool {
+	reqVal := calc.RequiredOrderFunds(swapVal, inputsSize, maxSwaps, nfo)
+	return valSum >= reqVal
+}
+
 // ValidateCoinID attempts to decode the coinID.
 func (dcr *Backend) ValidateCoinID(coinID []byte) (string, error) {
 	txid, vout, err := decodeCoinID(coinID)
diff --git a/server/asset/zec/zec.go b/server/asset/zec/zec.go
index 96f114287d..bf48d3822b 100644
--- a/server/asset/zec/zec.go
+++ b/server/asset/zec/zec.go
@@ -169,6 +169,11 @@ func (be *ZECBackend) FeeRate(context.Context) (uint64, error) {
 	return dexzec.LegacyFeeRate, nil
 }
 
+func (*ZECBackend) ValidateOrderFunding(swapVal, valSum, inputCount, inputsSize, maxSwaps uint64, _ *dex.Asset) bool {
+	reqVal := dexzec.RequiredOrderFunds(swapVal, inputCount, inputsSize, maxSwaps)
+	return valSum >= reqVal
+}
+
 func (be *ZECBackend) ValidateFeeRate(ci asset.Coin, reqFeeRate uint64) bool {
 	c, is := ci.(interface {
 		Fees() uint64
diff --git a/server/market/orderrouter.go b/server/market/orderrouter.go
index 5f3c049114..2882a9f8b7 100644
--- a/server/market/orderrouter.go
+++ b/server/market/orderrouter.go
@@ -473,6 +473,11 @@ func (r *OrderRouter) processTrade(oRecord *orderRecord, tunnel MarketTunnel, as
 
 	// Funding coins are from a utxo-based asset. Need to find them.
 
+	funder, is := assets.funding.Backend.(asset.OutputTracker)
+	if !is {
+		return msgjson.NewError(msgjson.RPCInternal, "internal error")
+	}
+
 	// Validate coin IDs and prepare some strings for debug logging.
 	coinStrs := make([]string, 0, len(coins))
 	for _, coinID := range trade.Coins {
@@ -563,13 +568,12 @@ func (r *OrderRouter) processTrade(oRecord *orderRecord, tunnel MarketTunnel, as
 		}
 
 		// Calculate the fees and check that the utxo sum is enough.
-		var reqVal uint64
+		var swapVal uint64
 		if sell {
-			reqVal = calc.RequiredOrderFunds(trade.Quantity, uint64(spendSize), lots, &fundingAsset.Asset)
+			swapVal = trade.Quantity
 		} else {
 			if rate > 0 { // limit buy
-				quoteQty := calc.BaseToQuote(rate, trade.Quantity)
-				reqVal = calc.RequiredOrderFunds(quoteQty, uint64(spendSize), lots, &assets.quote.Asset)
+				swapVal = calc.BaseToQuote(rate, trade.Quantity)
 			} else {
 				// This is a market buy order, so the quantity gets special handling.
 				// 1. The quantity is in units of the quote asset.
@@ -580,18 +584,16 @@ func (r *OrderRouter) processTrade(oRecord *orderRecord, tunnel MarketTunnel, as
 				}
 				buyBuffer := tunnel.MarketBuyBuffer()
 				lotWithBuffer := uint64(float64(lotSize) * buyBuffer)
-				minReq := matcher.BaseToQuote(midGap, lotWithBuffer)
-				if trade.Quantity < minReq {
-					errStr := fmt.Sprintf("order quantity does not satisfy market buy buffer. %d < %d. midGap = %d", trade.Quantity, minReq, midGap)
+				swapVal = matcher.BaseToQuote(midGap, lotWithBuffer)
+				if trade.Quantity < swapVal {
+					errStr := fmt.Sprintf("order quantity does not satisfy market buy buffer. %d < %d. midGap = %d", trade.Quantity, swapVal, midGap)
 					return false, msgjson.NewError(msgjson.FundingError, errStr)
 				}
-				reqVal = calc.RequiredOrderFunds(minReq, uint64(spendSize), 1, &assets.quote.Asset)
 			}
-
 		}
-		if valSum < reqVal {
-			return false, msgjson.NewError(msgjson.FundingError,
-				fmt.Sprintf("not enough funds. need at least %d, got %d", reqVal, valSum))
+
+		if !funder.ValidateOrderFunding(swapVal, valSum, uint64(len(trade.Coins)), uint64(spendSize), lots, &assets.funding.Asset) {
+			return false, msgjson.NewError(msgjson.FundingError, "failed funding validation")
 		}
 
 		return false, nil
diff --git a/server/market/routers_test.go b/server/market/routers_test.go
index 605d1d7607..d4b80816d3 100644
--- a/server/market/routers_test.go
+++ b/server/market/routers_test.go
@@ -395,6 +395,7 @@ type TBackend struct {
 	syncedErr      error
 	confsMinus2    int64
 	invalidFeeRate bool
+	unfunded       bool
 }
 
 func tNewUTXOBackend() *tUTXOBackend {
@@ -488,6 +489,10 @@ func (b *tUTXOBackend) VerifyUnspentCoin(_ context.Context, coinID []byte) error
 	return err
 }
 
+func (b *tUTXOBackend) ValidateOrderFunding(swapVal, valSum, inputCount, inputsSize, maxSwaps uint64, nfo *dex.Asset) bool {
+	return !b.unfunded
+}
+
 type tAccountBackend struct {
 	*TBackend
 	bal    uint64
@@ -1434,7 +1439,9 @@ func testPrefixTrade(prefix *msgjson.Prefix, trade *msgjson.Trade, fundingAsset,
 
 	// Not enough funding
 	trade.Coins = ogUTXOs[:1]
+	fundingAsset.unfunded = true
 	checkCode("unfunded", msgjson.FundingError)
+	fundingAsset.unfunded = false
 	trade.Coins = ogUTXOs
 
 	// Invalid address