If my payroll is more than the 75% and I don’t use the entire 25% will it be forgiven as long as it doesn’t go over 100%?

Yes. For example, you received a $100,000 loan, used $80,000 for payroll (more than 75% of the loan) and $25,000 for rent.  Total spent was $105,000 of which $5,000 is out of your pocket and not the loan. In this situation you should receive forgiveness for the entire $100,000.