In a class of F-theory SU(5) GUTs the low energy chiral mass spectrum is obtained from rank one fermion mass textures with a hierarchical structure organised by U(1) symmetries embedded in the exceptional E_8 group. In these theories chiral fields reside on matter `curves and the tree level masses are computed from integrals of overlapping wavefuctions of the particles at the triple intersection points. This calculation requires knowledge of the exact form of the wavefuctions. In this work we propose a way to obtain a reliable estimate of the various quantities which determine the strength of the Yukawa couplings. We use previous analysis of KK threshold effects to determine the (ratios of) heavy mass scales of the theory which are involved in the normalization of the wave functions. We consider similar effects from the chiral spectrum of these models and discuss possible constraints on the emerging matter content. In this approach, we find that the Yukawa couplings can be determined solely from the U(1) charges of the states in the `intersection and the torsion which is a topological invariant quantity. We apply the results to a viable SU(5) model with minimal spectrum which satisfies all the constraints imposed by our analysis. We use renormalization group analysis to estimate the top and bottom masses and find that they are in agreement with the experimental values.
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