Justin McDonald returned a punt blocked by Tre Neal 23 yards for a score in the third quarter and Seyvon Lowry's interception of a Hayden Moore pass led to a 25-yard TD run by Jawon Hamilton in the fourth quarter.
Milton was 22 of 34 for 150 yards passing for UCF (4-6, 1-5 American Athletic) and hit Dredrick Snelson on a 1-yard TD pass in the first quarter. Matthew Wright kicked a 22-yard field goal. Hamilton gained 81 yards on 17 carries.
The Bearcats (4-6, 1-5) outgained the Knights 327-305 in total yards, but saw one drive end with a fumble by Moore after he was sacked. Moore was 13 of 25 for 129 yards passing. Josh Pasley kicked a 38-yard field goal in the second quarter.