If I put down 20% on a 30 year Mortgage or 10% on a 15 year Mortgage, do I have to carry PMI?

I've heard that you have to carry PMI for a minimum of 5 years on a FHA loan even if you have paid in 20% on the LTV ratio, but also read you don't need PMI at all if you put 10% down on an FHA Loan. Which is it...??
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