Building on Ken's answer, here's the most modular copy-and-paste solution.

No XML needed.

Put it in your Activity and it'll apply to all EditTexts including those within fragments within that activity.

@Override
public boolean dispatchTouchEvent(MotionEvent event) {
    if (event.getAction() == MotionEvent.ACTION_DOWN) {
        View v = getCurrentFocus();
        if ( v instanceof EditText) {
            Rect outRect = new Rect();
            v.getGlobalVisibleRect(outRect);
            if (!outRect.contains((int)event.getRawX(), (int)event.getRawY())) {
                v.clearFocus();
                InputMethodManager imm = (InputMethodManager) getSystemService(Context.INPUT_METHOD_SERVICE);
                imm.hideSoftInputFromWindow(v.getWindowToken(), 0);
            }
        }
    }
    return super.dispatchTouchEvent( event );
}