PMI on an FHA loan when down paying 20%?

I'm closing on my house soon and am getting an FHA loan. I know that on conventional loans, you do not pay PMI if you put down 20%, but my loan officer said that on FHA loans, I still have to pay PMI even if I am putting down 20% and that I can have the PMI removed after 5 years. Is this true? Thanks in advance! show more I'm closing on my house soon and am getting an FHA loan. I know that on conventional loans, you do not pay PMI if you put down 20%, but my loan officer said that on FHA loans, I still have to pay PMI even if I am putting down 20% and that I can have the PMI removed after 5 years. Is this true?

Thanks in advance!
Update: So if I put down 20%, there should be no PMI or additional fees?
Update 2: I got rejected for conventional loans due to my credit. That is why I am going the FHA loan route
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