diff --git a/fs/ext4/ialloc.c b/fs/ext4/ialloc.c
index df25d38d6539..0cc576005a92 100644
--- a/fs/ext4/ialloc.c
+++ b/fs/ext4/ialloc.c
@@ -742,6 +742,53 @@ not_found:
 	return 1;
 }
 
+static int ext4_xattr_credits_for_new_inode(struct inode *dir, mode_t mode,
+					    bool encrypt)
+{
+	struct super_block *sb = dir->i_sb;
+	int nblocks = 0;
+#ifdef CONFIG_EXT4_FS_POSIX_ACL
+	struct posix_acl *p = get_acl(dir, ACL_TYPE_DEFAULT);
+
+	if (IS_ERR(p))
+		return PTR_ERR(p);
+	if (p) {
+		int acl_size = p->a_count * sizeof(ext4_acl_entry);
+
+		nblocks += (S_ISDIR(mode) ? 2 : 1) *
+			__ext4_xattr_set_credits(sb, NULL /* inode */,
+						 NULL /* block_bh */, acl_size,
+						 true /* is_create */);
+		posix_acl_release(p);
+	}
+#endif
+
+#ifdef CONFIG_SECURITY
+	{
+		int num_security_xattrs = 1;
+
+#ifdef CONFIG_INTEGRITY
+		num_security_xattrs++;
+#endif
+		/*
+		 * We assume that security xattrs are never more than 1k.
+		 * In practice they are under 128 bytes.
+		 */
+		nblocks += num_security_xattrs *
+			__ext4_xattr_set_credits(sb, NULL /* inode */,
+						 NULL /* block_bh */, 1024,
+						 true /* is_create */);
+	}
+#endif
+	if (encrypt)
+		nblocks += __ext4_xattr_set_credits(sb,
+						    NULL /* inode */,
+						    NULL /* block_bh */,
+						    FSCRYPT_SET_CONTEXT_MAX_SIZE,
+						    true /* is_create */);
+	return nblocks;
+}
+
 /*
  * There are two policies for allocating an inode.  If the new inode is
  * a directory, then a forward search is made for a block group with both
@@ -796,45 +843,10 @@ struct inode *__ext4_new_inode(handle_t *handle, struct inode *dir,
 	}
 
 	if (!handle && sbi->s_journal && !(i_flags & EXT4_EA_INODE_FL)) {
-#ifdef CONFIG_EXT4_FS_POSIX_ACL
-		struct posix_acl *p = get_acl(dir, ACL_TYPE_DEFAULT);
-
-		if (IS_ERR(p))
-			return ERR_CAST(p);
-		if (p) {
-			int acl_size = p->a_count * sizeof(ext4_acl_entry);
-
-			nblocks += (S_ISDIR(mode) ? 2 : 1) *
-				__ext4_xattr_set_credits(sb, NULL /* inode */,
-					NULL /* block_bh */, acl_size,
-					true /* is_create */);
-			posix_acl_release(p);
-		}
-#endif
-
-#ifdef CONFIG_SECURITY
-		{
-			int num_security_xattrs = 1;
-
-#ifdef CONFIG_INTEGRITY
-			num_security_xattrs++;
-#endif
-			/*
-			 * We assume that security xattrs are never
-			 * more than 1k.  In practice they are under
-			 * 128 bytes.
-			 */
-			nblocks += num_security_xattrs *
-				__ext4_xattr_set_credits(sb, NULL /* inode */,
-					NULL /* block_bh */, 1024,
-					true /* is_create */);
-		}
-#endif
-		if (encrypt)
-			nblocks += __ext4_xattr_set_credits(sb,
-					NULL /* inode */, NULL /* block_bh */,
-					FSCRYPT_SET_CONTEXT_MAX_SIZE,
-					true /* is_create */);
+		ret2 = ext4_xattr_credits_for_new_inode(dir, mode, encrypt);
+		if (ret2 < 0)
+			return ERR_PTR(ret2);
+		nblocks += ret2;
 	}
 
 	ngroups = ext4_get_groups_count(sb);