I asked this very question here a while back:
Gvwr is gross vehicle weight which is max with no trailer versus gcwr which is gross combined max weight truck + trailer. My understanding was that per the feds you need a CDL if your gvwr is more than 26k or if the gvwr of your truck + the gvwr of your more than 10k trailer exceeds 26k (with...
www.tractorbynet.com
Seems the consensus is unless you have and are operating under an RV or state specific farm exemption; if you want to haul a 10k gvwr trailer, your tow vehicle must have a gvwr of less than 16k. Your gvwr of your tow vehicle + gvwr of your trailer has to be less than 26001 regardless of how you load it.
Here's the FMCSA (US Feds) official definition of "commercial motor vehicle " requiring a CDL - CFR part 383.5:
"means a motor vehicle or combination of motor vehicles used in commerce to transport passengers or property if the motor vehicle is a -
(1) Combination Vehicle (Group A) - having a gross combination weight rating or gross combination weight of 11,794 kilograms or more (26,001 pounds or more), whichever is greater, inclusive of a towed unit(s) with a gross vehicle weight rating or gross vehicle weight of more than 4,536 kilograms (10,000 pounds), whichever is greater; or
(2) Heavy Straight Vehicle (Group B) - having a gross vehicle weight rating or gross vehicle weight of 11,794 or more kilograms (26,001 pounds or more), whichever is greater; or
(3) Small Vehicle (Group C) that does not meet Group A or B requirements but that either -
(i) Is designed to transport 16 or more passengers, including the driver; or
(ii) Is of any size and is used in the transportation of hazardous materials as defined in this section."
Then they go on to clarify what "
gross combination weight rating" means in the same section (CFR 383.5):
"Gross combination weight rating (GCWR) is the greater of:
(1) A value specified by the manufacturer of the power unit, if such value is displayed on the Federal Motor Vehicle Safety Standard (FMVSS) certification label required by the National Highway Traffic Safety Administration, or
(2)
The sum of the gross vehicle weight ratings (GVWRs) or the gross vehicle weights (GVWs) of the power unit and the towed unit(s), or any combination thereof, that produces the highest value. Exception: The GCWR of the power unit will not be used to define a commercial motor vehicle when the power unit is not towing another vehicle"