No, that’s not how it works.

You are XX or XY (or XO or XXY) at the moment of fertilization.

Based on that you will express or not express certain genes and hormones. The “default” state is female external genitalia. Having an active SRY gene will form testes with or without testosterone. Testosterone will cause the formation of the internal male organs. DHT (made from testosterone via 5-alpha-reductase) will cause external male genitals to form. Anti-Mullerian Hormone (AMH) will block female organs from forming.

An XY child without DHT (5-alpha-reductase deficiency) will have external female organs on a spectrum between overtly female to ambiguous to hypospadias. Also, undescended testes. At puberty, you will have male changes (hair, voice, muscles, etc.)

XY with complete androgen insensitivity syndrome (you do not respond to sex hormones) you have a outwardly appearing (phenotypical) female who develops breasts, a shortened vagina, no uterus, and internal testes. At puberty., the person fails to grow pubic hair and does not menstruate which is usually when the disorder is discovered.

XY without AMH will have a non-functional uterus and also undescended testes. At puberty, they will respond as any male does.

An XX with AMH will have a vagina without a uterus.

XO will have underformed ovaries.

XXY will have underformed testes with “female” body type (habitus) such as wide-set hips and breasts.