Apply wallet balance to trade wallet when creating offer with insufficient funds
Currently, deposits to the trade wallet when creating a new offer are deducted from the total amount needed, thereby calculating the remaining amount the user must send in order to fund the offer.

However, the application does not allow applying the wallet balance to the trade wallet balance when creating a new offer if the wallet has insufficient funds:

<img width="1196" alt="image" src="https://github.com/user-attachments/assets/7f96e32c-f73d-4a11-9092-b80df7b2a442">

This issue requests applying the wallet balance to the trade wallet balance when creating a new offer, even if the wallet is insufficiently funded, thereby calculating the remaining amount the user must send in order to fund the offer.