Montgomery picked off a pass by Tyree Jackson and returned it 20 yards for a score in the third quarter, then ran 92 yards for a score after recovering Jackson’s fumble after he was sacked.
Nick Dowd’s 20-yard field goal with 9:57 to play put Miami up 35-10.
Buffalo's Brandon Crawford also returned a fumble for a score, running it in from the Miami 9 after Ragland was sacked. Jordan Johnson (29 carries for 100 yards) scored on a 2-yard run and Johnathan Hawkins on a 10-yard run for the Bulls (2-8, 1-5).
Miami, which won at Buffalo for the first time since 2010, wraps up the season at home vs. Ball State for Senior Night on Tuesday, Nov. 22.
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