To be sure that the umask setting takes effect please use a simple test and do not use any other web application for this. It might be the case that these application change the rights independently from the umask setting of Apache.
Simple test PHP script:
<?php
if ($fp = fopen(time() . '.txt', 'w')) {
fwrite($fp, 'This is a simple test.');
fclose($fp);
echo "done";
} else {