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Preheat oven to 375 degrees Fahrenheit
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Prepare a 12-cup muffin pan with cooking spray or use paper liners
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Combine flour, spices, baking soda, salt, and sugar in a bowl
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Whisk together pumpkin, egg, buttermilk, melted butter, and vanilla extract in a separate bowl
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Add wet ingredients to dry ingredients and mix until combined
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Fold in freshly cut chopped apples
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Pour mixture into prepared muffin pan, filling each cup completely
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Sprinkle topping over each muffin
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Bake for 20-25 minutes, or until a toothpick inserted comes out clean
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Topping:
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In a separate bowl, combine flour, oats, brown sugar, cinnamon, and butter until the mixture has come together and crumbles