Pumpkin Apple Muffins

adapted from several recipes on allrecipes.com
1 1/4 c. flour
1 1/4 c. whole wheat flour
1 c. sugar (can do 1/2 brown and 1/2 white)
1 T cinnamon
1 tsp ginger
1/2 tsp nutmeg
1 tsp baking soda
1/2 tsp salt
2 egs
1 can pumpkin
1/2 c. oil (or 1/4 c. oil, 1/4 c. applesauce)
2 c. finely chopped peeled apples (or grated apples)
Streusel: (optional)
1/4 c. sugar
2 T flour
1/2 tsp cinnamon
4 tsp butter

Combine dry ingredients.  In another bowl, combine the eggs, pumpkin and oil; stir into dry ingredients just until moistened (will be thick!).  Fold in apples.  Fill muffin tin.  (I filled them pretty full and got 15 muffins).  If using streusel, combine sugar, flour and cinnamon in a small bowl and cut in butter until crumbly.  Sprinkle over muffins. 
Bake at 350 for 25 min.  (original recipe said 35 but mine were perfect at 25 min)