If you're even unsure, just test it.
Code:
for testmask in 012 345 677; do
umask $testmask
mkdir $testmask.d
touch f$testmask.f
done
ls -l
This table summarizes the results:
Code:
umask : 0 1 2 3 4 5 6 7
dir : rwx rw- r-x r-- -wx -w- --x ---
file : rw- rw- r-- r-- -w- -w- --- ---
If the octal argument confuses you, you can use symbolic mode:
The manual page describes this in more detail, and has quite a few examples.