For the property purchase your overview shows mathematically sufficient funds. However, part of the money is not due until later. In that case you need a second perspective in addition to the sum: at which actual point in time is which amount available? The following editorial guidance is a preparation for individual financing and contract advice, not a financing commitment.
Give each source of funds a status
Distinguish between existing money, an expected payment and a promise that still needs to be clarified. Note for each source the amount, the underlying status and the point in time that you can actually substantiate. If the date is uncertain, the uncertainty should remain visible.
Finanznavi explains the structured comparison of income and expenses and recommends cautious income planning. [BUDGET] The additional temporal allocation in this article is our own practical transfer to an upcoming purchase process, not a statement about the terms of any specific loan.
Do not derive payment dates from your preferred date
Enter the payments and due dates relevant to your planning as soon as they are reliably clarified. Contract advice explains the process, the financing institution explains the prerequisites and the procedure for its disbursement. An expected collection date is not automatically a confirmed cash inflow.
If an amount is only to be available after some other event, note that dependency. The assurance “from the sale of the old car”, for example, is not the same as funds already available. For an expected reimbursement or any other upcoming payment you also need an objectively appropriate status.
Example: enough in the total sum, too little at the first date
In a completely fictional plan there are €20.000 of available money and a further €10.000 of expected inflow. However, €25.000 are required to be available for a coordinated payment step before the expected inflow. The total sum of €30.000 thus conceals a timing gap of €5,000.
This example contains no purchase incidentals quota and no suggestion for how to finance the gap. It only shows which question must be submitted to the advice: is the inflow secured in time so that the process can be arranged accordingly, or is another viable solution missing?
Plan for a later availability as a separate variant
Move uncertain inflows in a second overview to a later assumed date. Explicitly label the variant as a scenario. Check which payments would then no longer be covered. Do not count the same source of funds simultaneously as purchase funds and as an untouched personal reserve.
An identifiable gap will not be closed by a more optimistic table cell label. Discuss it with the responsible parties before making a binding decision. Bridge forms, additional costs and contractual consequences require individual examination.
Therefore the finished overview should not only show a large total sum. It explains which amount will be available when according to which level of knowledge and which dependencies are still open. It is precisely this that turns a mathematical hope into a usable basis for further clarification.