Furman (2-3, 1-1) has won two-straight after starting the season 0-3.
Williams, a preseason 1st-team All-Southern Conference selection, returned a kickoff 100 yards on Furman's first possession, and then added touchdown runs of 89 and 2 yards to give the Paladins a 21-3 lead.
McCloud's 20-yard touchdown extended Furman's lead to 28-3 with 3:28 left in the first half. McCloud finished 123 yards while Williams, who racked up 239 on the ground, became the first Paladin since 2000 to rush for over 200 yards in a game.
It was also the first time since 2005 that Furman has had two players rush for over 100 yards in the same game.
Eddie Sullivan led Western Carolina (1-4, 0-3) with 220 yards passing and 104 rushing.
Miami has lost running back Gus Edwards for the entire season because of a left foot injury.
Virginia Tech will wear a decal on its helmets against No. 1 Ohio State on Monday night to honor slain Roanoke television journalists Alison Parker and Adam Ward.
South Carolina football players will wear stickers on their helmets this season to honor the nine people who died in a shooting at Emanuel AME Church in Charleston this past June.
Washington has found its starting quarterback, but coach Chris Petersen said the Huskies will keep that information under wraps until Friday's season opener at No. 23 Boise State.
Joey Counts scored on a 1-yard run on fourth-and-goal with 2 seconds left to give Montana a 38-35 victory over four-time defending FCS champion North Dakota State on Saturday.
Transfer Vernon Adams will be the starting quarterback when Oregon begins its season against Eastern Washington on Sept. 5.