Is the crossover the same for every loan?

No—rate, term, and extra payments move it.

When Does Principal Exceed Interest in a Mortgage Payment?

The crossover exists on typical schedules—later for long terms.

On standard schedules, principal eventually exceeds interest in a given month when the balance is low enough—find the row in Amortization.

Is the crossover the same for every loan?: No—rate, term, and extra payments move it.