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Bernie Kosar doesn’t start with, “Hello,’’ on the other end of the phone.

He starts “It’s almost not believable — it’s Disney-type stuff.”

He’s on the ninth floor of University Hospital in Cleveland, and tells how he was being discharged last Sunday when told they finally had a liver for him. A 21-year-old Cleveland Browns fan, Ryan Dunlap, who was following Kosar’s wait for a liver transplant, had died in a medical emergency.

His family agreed to donate Ryan’s liver to Kosar.

“The odds of his liver matching me is like you or me hitting the Lotto,’’ says Kosar, the former Browns, University of Miami and Miami Dolphins quarterback. “And it matched. See, why the whole story isn’t believable? It’s all karmatically spiritual. I’ve been waiting

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