Organic acids in the atmosphere are ubiquitous and are often correlated with mineral dust aerosol. Heterogeneous chemistry and the uptake of organic acids on mineral dust particles can potentially alter the properties of the particle. In this study, heterogeneous uptake and reaction of formic acid, HCOOH, the most abundant carboxylic acid present in the atmosphere, on oxide and clays of the most abundant elements, Si and Al, present in the Earth's crust are investigated under dry and humid conditions. In particular, quantitative adsorption measurements using a Quartz Crystal Microbalance (QCM) coupled with spectroscopic studies using Attenuated Total Reflection Fourier Transform Infrared (ATR-FTIR) spectroscopy are combined to allow for both quantification of the amount of uptake and identification of distinct adsorbed species formed on silica, alumina, and kaolinite particle surfaces at 298 K. These oxides and clay particles show significant differences in the extent and speciation of adsorbed HCOOH due to inherent differences in surface OH group reactivity. Adsorbed water, controlled by relative humidity, can increase the irreversible uptake of formic acid. Interestingly, the resulting layer of adsorbed formate on the particle surface decreases the particle hydrophilicity thereby decreasing the amount of water taken up by the surface as measured by QCM. Atmospheric implications of this study are discussed.