Financing: selling a house, buying a new house / comprehension problem

Hello,

we are currently selling our house and have already purchased another one.
Now it’s about the financing. I am completely confused and can’t make any progress.

Initial situation:

For the house we are selling, we still have loans amounting to €200,000 outstanding.
The proceeds we receive for the house are €350,000.
That means we have a "profit" of €150,000 here.

The house we are buying costs us €330,000 including all costs.
We would like to transfer the loan from the old house (€200,000) to the new house by means of a deed of assignment. That means an additional €130,000 still needs to be financed.

Since we have a "profit" of €150,000 from the old house and we want to close the financing gap with this profit, we will effectively come out with a €20,000 profit and continue financing as usual with a residual debt of €200,000.

Is my calculation correct?

Thank you very much!

Is my calculation correct?

Yep. You only need interim financing if the purchase price for the new house is due earlier than you have the proceeds from the old house in hand. But since everything stays with the same bank, it would only be a minor issue.

That means, we have a "plus" of 150,000€ here

Purely out of curiosity: appreciation or equity + repayment?