Payload capacity refers to the maximum allowable weight of cargo and passengers that a vehicle is designed to carry.
Towing capacity refers to the maximum weight of a fully loaded trailer that a vehicle is rated to tow.
For towing capacity, refer to Ford’s VIN-based towing calculator or the appropriate Ford RV Towing Guide. The towing guide’s general figures may not account for every option, accessory, passenger or cargo load.
Payload capacity is commonly determined using:
Payload = GVWR − Curb Weight
For your specific vehicle, use its certified payload information and account for all equipment and modifications.