Kingwood Methodist Church





KMC will face significant and burdensome financial demands in the years ahead beyond what the operating budget can reasonably support. Specifically, these include escalating building debt obligations and costly facility repairs, replacements, and upgrades.

Our campaign’s goal is to provide KMC with the freedom and resources to pursue more life-changing ministry opportunities. God’s two greatest gifts are the faithful and resilient people of KMC, and His prompting is to start this work now.

“In Him the whole building is joined together and rises to become a holy temple in the Lord. And in Him you too are being built together to become a dwelling in which God lives by his Spirit.” Ephesians 2:21-22

3.67 million of unfunded Debt

  • Our outstanding loan balance as of March is $4,135K.
  • The RisingUp March fund balance for paying the loan principal is $475K. Our net unfunded debt is $3.67 million.
  • These RisingUp funds will be depleted by June 2026, further burdening the operating budget with both principal and interest payments.
  • The current interest rate is 3.25% through February 2028; after that, it resets to a “market” rate, and the mortgage obligation is recalculated.
  • Currently, the interest portion of the mortgage is funded through the church’s annual operating budget. In 2024, this amount is $133K

In Him the whole building is joined together and rises to become a holy temple in the Lord. And in Him you too are being built together to become a dwelling in which God lives by his Spirit. – Ephesians 2:21-22

Chosen as the guiding text for our campus expansion, this scripture remains foundational to who we are as a church. We are a people Built Together in a physical and spiritual community, Rising Up to answer God’s call to be a community of hope where people experience Christ and find More to Life.


In 2011, guided by God's Holy Spirit, we embarked on a more intentional disciple-making journey. We expanded worship opportunities, nurtured young families and children in their faith development, and provided "pathways" on which disciples could journey.

We expanded our facilities to assist in our being built together as the body of Christ. Two capital campaigns and debt financing funded the $12 million expansion/renovation. Since opening in 2015, Kingwood Methodist has a campus that provides sacred space for fostering connection, fellowship, outreach, and new ministry opportunities


These recent years have been anything but routine. We endured and re-imagined ministry through a pandemic. We celebrated 50 years of ministry. We have invested in upgrading the venues for Youth and Contemporary Worship. We changed denominational affiliation, and while the refreshed spirit of the Global Methodist Church abounded, there was a financial burden to bear.

We have remained financially healthy thanks to our members' generosity and the vigilant stewardship of our financial resources. Still, our ability to fund ministry at this level is being challenged by servicing our $3.67 million unfunded debt and rapidly rising property insurance and facility maintenance costs.

Beginning in mid-2026, we must add ~$ $200,000 annually for principal payments, funded now by contributions from the last capital campaign. In 2028, our existing 3.25% interest rate will move to the prevailing "market" rate, further burdening the budget.

The second category of significant need is facility fixes. Some are near-term and high-impact, such as computer/ technology replacement; others are less certain but will be needed at some point (FOC parking lot and "G" building elevator). Planning for these is essential, and retiring the debt will better enable our response to ministry opportunities God puts before us.


Fortunately, our mortgage interest rate is fixed at 3.25% through February 2028, AND we have committed (RisingUp) funds to pay the mortgage principal through June 2026. After each milestone, more of our operating budget will go to paying the mortgage.

We have a window of opportunity to eliminate our debt before our payments increase. If we do not, ministry budgets will be reduced to fund the debt and pay for the anticipated capital repairs and replacements.

We know how God has been faithful in the past and will call us to do wonderful things for Him in the future. His two greatest gifts are the faithful and resilient people of KMC, and His prompting is to start this work now.

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Frequently Asked Questions

Ministry Impact

  • How will funds be redeployed after the debt is retired, and what will the impact be on the mission and ministry of the church?

The “redeployable” funds would be the amount in the operating budget that pays mortgage interest. These vary throughout the term of the loan and interest rate ($133K in 2024; $226K in 2028). Each year, the Church Council approves a budget based on likely contributions, the expressed plans for ministry, and other obligations relative to staffing, youth department growth, and facility upkeep. Money not required for interest would be available to these other areas.

  • Are there other considerations for raising funds to retire the debt?

Much of the church’s ministry benefits from funding outside the operating budget (School for Little Children, Society of St. Stephen, UMARMY are the largest) and would be minimally impacted. The most significant impact, however, would be if and when RisingUp mortgage principal funds deplete in 2026, and the burden falls to the operating budget ($200K), taking money from staffing, youth department, and ministry funds.

Church Budget and Finances

  • How will the campaign impact giving to the general operating budget?

Each of the previous two campaigns was conducted concurrently with the stewardship campaign for the annual operating budget. RisingUp (2017-2019) had accompanying operating budget contribution increases averaging 3.6% per year for that period. Increases over the BuiltTogether period were flat to 1% per year.

Most Horizons campaigns see flat to minimal increases in annual operating giving during the three years of the campaign and more substantial increases in general operating giving in the first few years after the campaign.

  • What are the specifics of KMC’s budget, giving trends, and the percent of the budget required for debt service now and when our loan reprices in 2028?


School for Little Children and Society of St. Stephen are funded separately (i.e., not included in the operating budget). Additional (Restricted) Missions Funding ($400,000+ in 2023). KMC has a 2-year waiver ($50,000 in 2024) for Connectional Giving (aka GMC Apportionments).

Contributions typically increase by ~2% year over year. Contributions decreased by ~8% in 2022 post-COVID and disaffiliation.

When the interest resets, the annual amount would consume 8% of the budget instead of the current 4.5%

  • What is the impact of doing nothing?

While not visible for a few years, doing nothing means an extra $250K for debt must be paid through the operating budget. To accommodate this increase, contributions would need to increase by ~10% and/or expenditures in other areas would need to decrease (most impact likely on staffing; the largest expense category.)

Capital Projects

  • Why are these capital projects needed, and when must investments be made?

These projects are those deemed highly likely to need repair or replacement soon due to imminent failure or obsolescence. They are not discretionary and must be repaired if/when they fail. In most cases, the timing will and can be delayed until failure is imminent. For instance, a lower-cost leveling and support solution to the FOC parking lot failure is being researched. Alternatively, the Sanctuary A/V is failing and is currently being addressed. No project will be committed to until severely impacts ministry.

  • How accurate are the cost estimates?

The costs are recent estimates from reputable contractors. We continue to look for lower-cost options and ways to limit the scope of the replacement or delay it before needing a more expensive solution.

Capital Campaigns, Present and Past

  • Who decided to explore the possibility of a campaign, and who will ultimately make the decision to move forward with the campaign in the Fall?

In September 2023, the Finance Committee recommended, and the Board of Stewards approved preparing for and launching a capital campaign to retire debt and fund identified capital maintenance items. Rationale: Rising Up funds for paying loan principal is depleted in June 2026. The remaining unfunded debt is $3.67 million. Interest currently 3.25% resets (likely significantly higher), and the remaining mortgage will be recalculated in February 2028. Substantial “capital maintenance” needed in the upcoming years will also further burden the Operating budget.

The Steering Committee was nominated and began their initial work by contracting Horizons Stewardship to assist with planning, a feasibility study, and campaign preparation. Based on the feedback from the congregation after the “preparation/readiness” phases, the Church Council will decide whether or not to proceed with a fall campaign.


  • What did the gift sizes and breakdown in giving look like on the previous two campaigns? What percentage of pledges were fulfilled?

Use and Prioritizing Funds

  • What happens if we raise more or less than expected?

All money raised is held in a “restricted” account to be used only for the specified purposes and overseen by the Finance Committee – in this case, debt retirement, capital maintenance, and campaign expenses. Any excess money would remain and available for future approved capital projects.

If less than the anticipated amount or goal is raised, the decision process becomes more complex but will ultimately be made by the Church Council (see next)

  • How will the priority of debt retirement versus the capital improvements/maintenance be managed?

Any decisions associated with the use of campaign funds will be made by the Church Council, with input/recommendations from the Trustees and Finance Committees, each exercising its respective governance role.

Considerations include, but are not limited to, optimal timing of debt retirements per the terms of our loan; availability of other funding sources; timing based on indications of failure and lead times for replacements; and availability of other (lower-cost) solutions. Throughout the campaign, as decisions are made, we will clearly communicate and provide full transparency into the use of the funds.