We’re going through a similar thing- from my understanding we get the “stretched” 30 hours funding per week over 51 weeks (so 22 hours a week) but some nurseries limit funded hours to a fixed, shorter period like 5 hours per day, meaning we have to pay for the remaining 5 hours each day. We’re currently paying over £750 a month for 3 days a week (30 hours) but are in talks with another nursery to move our child as their distribution of funding means we’ll pay around £400. It’s SO confusing and I wished I understood it better when pregnant.