diff --git a/src/modules/reserve-overview/ReserveTopDetails.tsx b/src/modules/reserve-overview/ReserveTopDetails.tsx
index ed6182c029..c4c3e517a0 100644
--- a/src/modules/reserve-overview/ReserveTopDetails.tsx
+++ b/src/modules/reserve-overview/ReserveTopDetails.tsx
@@ -6,6 +6,7 @@ import { FormattedNumber } from 'src/components/primitives/FormattedNumber';
 import { Link } from 'src/components/primitives/Link';
 import { useRootStore } from 'src/store/root';
 import { GENERAL } from 'src/utils/events';
+import { assetIsBorrowableOnMarket } from 'src/utils/getMaxAmountAvailableToBorrow';
 import { useShallow } from 'zustand/shallow';
 
 import { TopInfoPanelItem } from '../../components/TopInfoPanel/TopInfoPanelItem';
@@ -57,7 +58,7 @@ export const ReserveTopDetails = ({ underlyingAsset }: ReserveTopDetailsProps) =
       <TopInfoPanelItem title={<Trans>Available liquidity</Trans>} loading={loading} hideIcon>
         <FormattedNumber
           value={
-            poolReserve?.borrowingEnabled
+            poolReserve && assetIsBorrowableOnMarket(poolReserve)
               ? Math.max(Number(poolReserve?.availableLiquidityUSD), 0)
               : 0
           }
diff --git a/src/utils/__tests__/getMaxAmountAvailableToBorrow.spec.ts b/src/utils/__tests__/getMaxAmountAvailableToBorrow.spec.ts
new file mode 100644
index 0000000000..3e0274cf4e
--- /dev/null
+++ b/src/utils/__tests__/getMaxAmountAvailableToBorrow.spec.ts
@@ -0,0 +1,52 @@
+import {
+  ComputedReserveData,
+  ExtendedFormattedUser,
+} from '../../hooks/app-data-provider/useAppDataProvider';
+import {
+  assetCanBeBorrowedByUser,
+  assetIsBorrowableOnMarket,
+} from '../getMaxAmountAvailableToBorrow';
+
+const baseReserve = {
+  borrowingEnabled: false,
+  isActive: true,
+  borrowableInIsolation: false,
+  isFrozen: false,
+  isPaused: false,
+  eModes: [{ id: 1, borrowingEnabled: true }],
+} as unknown as ComputedReserveData;
+
+describe('assetIsBorrowableOnMarket', () => {
+  it('returns true when borrowingEnabled is true', () => {
+    expect(assetIsBorrowableOnMarket({ borrowingEnabled: true, eModes: [] })).toBe(true);
+  });
+
+  it('returns true when borrowable in any e-mode', () => {
+    expect(
+      assetIsBorrowableOnMarket({
+        borrowingEnabled: false,
+        eModes: [{ id: 1, borrowingEnabled: true }],
+      })
+    ).toBe(true);
+  });
+
+  it('returns false when not borrowable in normal mode or e-mode', () => {
+    expect(
+      assetIsBorrowableOnMarket({
+        borrowingEnabled: false,
+        eModes: [{ id: 1, borrowingEnabled: false }],
+      })
+    ).toBe(false);
+  });
+});
+
+describe('assetCanBeBorrowedByUser', () => {
+  it('allows e-mode users to borrow when their category permits it', () => {
+    expect(
+      assetCanBeBorrowedByUser(baseReserve, {
+        isInEmode: true,
+        userEmodeCategoryId: 1,
+      } as unknown as ExtendedFormattedUser)
+    ).toBe(true);
+  });
+});
diff --git a/src/utils/getMaxAmountAvailableToBorrow.ts b/src/utils/getMaxAmountAvailableToBorrow.ts
index a996276978..aa99ccc532 100644
--- a/src/utils/getMaxAmountAvailableToBorrow.ts
+++ b/src/utils/getMaxAmountAvailableToBorrow.ts
@@ -20,6 +20,17 @@ interface PoolReserveBorrowSubset {
   borrowCapUSD: string;
 }
 
+type MarketBorrowabilityReserve = Pick<ComputedReserveData, 'borrowingEnabled' | 'eModes'>;
+
+/**
+ * Whether a reserve has any borrow path on the market.
+ * Mirrors on-chain ValidationLogic: outside e-mode uses borrowingEnabled;
+ * inside e-mode uses the category borrowableBitmap (exposed as eMode.borrowingEnabled).
+ */
+export function assetIsBorrowableOnMarket(reserve: MarketBorrowabilityReserve): boolean {
+  return reserve.borrowingEnabled || reserve.eModes.some((eMode) => eMode.borrowingEnabled);
+}
+
 /**
  * Calculates the maximum amount a user can borrow.
  * @param poolReserve