Nowitzki shot one for 12 from the floor in the first half but Dallas still held a 53-51 lead because of 19 points by Terry, who hit eight of 10 shots, including three of five from beyond the arc.
Dallas, buoyed by eight points from Nowitzki and six from Jason Kidd, outscored the Heat 28-21 in the third quarter to take an 81-72 lead into the final frame.
Six-foot guard J.J. Barea scored five points during an 8-0 run by the Mavericks to boost a four-point lead to 89-77 with eight minutes remaining.
The Heat never got closer than seven the rest of the way, despite the urging from the sold-out crowd at American Airlines Arena.
"All I said was playoff game and play your ass off," said Dallas coach Rick Carlisle. "Dirk Nowitzki is one of the very greatest players in the history of this game and that was validated here tonight.
"He had a tough shooting night in the first half and other guys stepped up and kept us afloat and in the second half. He was amazing."
Miami Heat guard Dwyane Wade (L) and teammate LeBron James wait to leave the stadium after losing the NBA Championship to the Dallas Mavericks in Miami
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