F-650s are medium duty trucks (MDT) and trying to answer your concerns with the little info you provided is a tough job.
Your GVWR might be as little as 20,160, but it might be as much as 29,000 pounds. Your GCWR might be as little as 33,000 pounds, but it might be as much as 70,000 pounds. So without a better fix on the weight capacities of your truck, any answer will be a WAG.
There are two different ProLoader frames, in addition to the "normal" F-650 frame.
The 2007 kick-up frame has a GVWR of anywhere between 20,160 and 26,000 pounds, depending on options. The kickup frame is the "low-boy" with height of 32.5" ground to top of frame (unloaded).
The ProLoader straight frame has a GVWR of 20,940 to 29,000, depending... The straight frame adds 3" of height compared to the kickup frame.
A "regular" F-650 - not a ProLoader - is even higher off the ground at almost 40" from the ground to the top of the frame. One big difference is the tires and wheels.
For 2006, Ford said the GCWR (gross combined weight rating) for F-650 ProLoader kickup frame was 33,000 to 60,000 pounds, and for the ProLoader straight frame was 33,000 to 70,000 pounds, depending. Ford doesn't include GCWR for the F-650 and F-750 in their 2007 brochures and Truck Source Book and trailer towing guides. There are numerous variables that affect GCWR, including rear axle ratio and engine power and torque. And there are numerous options for those items. So only the dealership truck managers have enough info to tell you the GCWR of a particular truck. So you can expect a GCWR of at least 33,000 pounds, but maybe a lot more.
An unloaded F-650 with steel flat bed, headache rack, underside tool boxes, etc. will probably weigh around 12,000 pounds empty. So if the GCWR is 33k, then the max trailer weight you should plan on towing is around 21,000 pounds. Of course, with stump-puller rear axle ratio and/or two-speed rear axle, or the high-priced 300-horse Cat engine option, the GCWR might be a lot higher. But if you load the truck down with tools and equipment before you tie into the trailer, the unused weight available for trailer weight will decease accordingly.
If your GVWR is 20,160 and the empty truck weighs 12k, that leaves up to 8,160 for hitch weight. That would be a max gooseneck trailer weight of around 33,000 pounds without exceeding the GVWR of the truck. So GCWR and not GVWR is probably your limiter.
The GCWR is a pretty good indicator of how the truck will handle a trailer. If you don't exceed the GCWR of your truck, you probably won't be a rolling roadblock when trying to climp a mountain pass or long, steep hills. So ask your dealer to give you the GCWR of the truck. Then weigh the truck, subtract the truck weight from the GCWR, and you'll know the max weight of any trailer you should tie onto and still be reasonably safe and secure.
If you want a better answer to your concerns, then you need to provide us with:
1] GVWR of the truck - from the sticker on the door frame
2] GCWR of the truck - per a Ford dealer
3] weight of the wet and loaded truck without the trailer tied on. From a CAT scale.
"Wetand and loaded" means tank(s) full of diesel, all other fluids topped off, driver and any passengers in the cab, normal tools and jacks and coolers and whatever in the truck, and trailer hitch installed - but no trailer tied on. CAT is short for "certified automated truck" scale available at most big truck stops.
Of course, if you have those three numbers, you can probably figure out the answers without anyone's help - since you now know that GCWR is the key.
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