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I work NFL rules. There is no 10 second runoff in your senario. The 10 second run off possibilities are for "excess TO's during the last 2 minutes - rule 4-3-6" and "action to conserve time - rule 4-3-10." That rule concerns offensive fouls with the clock running which would normally stop the clock with the penalty. The offense has the option of using a TO if they have one, in lieu of the 10 second run off.
In your case, the ball would be returned to the spot of the fumble, and since you were in the last 2 minutes of either 1/2 the clock starts on the snap for a FFumble OOB's. If the FFuble OOB's was before the last 2 minutes, the clock starts on the RFP.
It is differenct for backward passes that go OOB's.
Also, if a runner "intentionally" fumbles forward, it is considered a forward pass - rule 8-4-2 exception.
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