Cole scored 23 in the second half for the Bison (2-10), going 10 of 10 from the foul line, six in the final minute.
Charles Vines had 21 points for the Shockers (3-7) with Elijah Maynard adding 13. The pair combined for 21 points in the first half when Washington Adventist took a 38-36 lead, outscoring Howard by six at the foul line.
A 7-0 run early in the second half, capped by Williams' 3-point play, put Howard up for good, 46-41. Cole and Williams scored back-to-back, Cole's a 3-pointer, pushing the lead to 15 with 8:22 left.
Washington Adventist cut it down to four with at the 1:41 mark but Cole made a layup and followed a turnover with the first of his closing free throws.
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