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It looks like another trigger is firing on the opportunity which is causing the error. The error is for an After Insert trigger and yours is a Before Update trigger.
DELETE
It is pretty hard to tell why just looking at the code. Updating an unreleated object, which is what the updatefundtotal trigger does, shouldn't cause a problem. Perhaps there are other triggers involved? I suggest you look at the debug log for the test execution to see what is going on. Look at each trigger that is being executed and see if they are trying to update the same objects/rows. Also check your permissions. It could also be a failure in another trigger. The log should shed some light on it.