Paladin Mount - Heavy Horse.

[SwiftyKun]

It says Paladins can get a heavy horse or camel.

Cavaliers too get horses, but they are not heavy horses.

It also says to use the paladin level for his druid level and treat this bonded mount as an animal companion.

The druid animal companion is stats for a normal horse, not a heavy horse. Heavy horse stats are superior to what it offers.

What do I do to find out my steeds correct abilities?

The reason I use both Paladin and Cavalier as examples is because both of them say to use the druid animal companion table for their horses. However one is a normal horse while the other is a heavy horse. Going by RAW a Paladin's horse should have superior ability scores and such. Going by the AC table however they are the exact same creature.

[RuyanVe]

You cited the relevant rules yourself: they use the druid's animal companion table to determine the power and progression of their riding companion.
All the talk about heavy horse or not is just flavor. The RAW you invoke is in the table not in the text describing the class features of either class. You go to the animal companion section of the druid, look up the entry for horse and start from there.

Ruyan.

[Titania, the Summer Queen]

The cavalier gets his horse at level 1. Paladin gets his level 4.
Level 4 is when horse AC becomes a heavy horse. Paladins do get a bump to intelligence. Its a 6