Question for the rules experts re TCUs last td / instant replay

[Bully13]

Mass of humanity underneath the qb as he's trying to one hand the ball across the goal line. Due to all the bodies beneath him, his knees never touched the ground but the ball did and it came out after it hit the ground. It was called a td but it looked like it never made it across the goal line.

My question is had it been ruled the ball DIDN'T cross the plane, would it have been a fumble?

[msbulldog]

yep

[TXDawg]

I didn't see the play, but the ground can't cause a fumble. If the ball hit the ground, then came out, the play is dead and the ball is spotted where it hit the ground.