The remaining fund remitted to the suspense account has to be more than what is being estimated by Sellers master/chief engineer onboard. This is to ensure there are sufficient funds for the closing/delivery. Any excess will be later returned to Buyers own bank account. If there is no excess funds(as buffer), taking into consideration USD need to route through New York, closing cannot be completed and Buyers and Sellers will be in awkward position. Therefore it is important to have sufficient funds in the suspense account. Buyers do not have to worry as any excess will be return to Buyers own account.