The first thing you need to do is better understand your trucks capabilities than just my truck can tow x lbs. (I learned this the hard way). Most TV are limited by their payload. To find out your TVs true towing capacities then you need to go weigh it. Load the tv up with all occupants, pets, and cargo that will be in it when towing plus a full tank of fuel and then go weigh it at a local scale (CAT Scale
). Weigh each axle on a separate scale pad so it will give you a breakdown of front and rear axle weights individually and a total weight. Take the total weight and subtract it from your Trucks gvwr to get your available payload. Take the scaled Truck weight and subtract it from your Truck gcwr to get your adjusted towng capacity.
Next understand you will never tow an unloaded or dry trailer. Those numbers are somewhat irrelevant. You can either add the amount of weight of cargo you will tow to the dry weight (this is heavier than you think as most add 1000-2000 lb of gear) or simply use the tt gvwr to do your calculations. Being that this is your first tt, using the tt gvwr is the safer route for you. Next understand that the tt loaded tongue weight needs to be subtracted from your available payload. The loaded tongue weight is typically 13-15% of the loaded tt weight. For your purposes go with 13-15% of the tt gvwr.
As stated above weights add up quickly. my family of 3 has added almost 1500 lbs to our TT and its not even a toy hauler. I learned the hard way that my old armada had a stated towing capacity of 9100 lbs but only had an available payload of 810 lbs. This would have limited me to a loaded trailer weight of around 6000 lbs. I didn't understand this and bought a TT that ended up being 7000 lbs and it proved to be a very bad experience. lets just say it went from being a white knuckle experience to being a very scary experience when the armada couldn't hold the TT back going down a 7% grade.