Are you actually asking about closing costs on a cash purchase of $100,000? That is determined by several factors, including taxes, and various fees charged by the title company to produce a clear title to you, the new owner, and well as other title and closing services the sale requires. The bottom line is that many closing costs are associated with financing a property, such as paying down the interest rate, appraisals, surveys, lender fees, fees to record the mortgage, insurance, etc. So, in that regard, a cash purchase is less expensive for the buyer because they do not have to pay those costs.
Some inexperienced buyers are under the impression they can offer low-ball offers on any property on the market. Here in Pinellas County, the opposite is true. I have seen many houses go on the market for a few days, cause a bidding war because they were already priced aggressively, and then sell for more than the list price. Cash or financed did not make a difference. Area statistics show we have about half the number of houses now on the market as we did a year ago, and the average sale price is up. Anyone who is interested in the latest stats is free to contact me.
Do align yourself with a professional Realtor to help you make an offer. A buyer's representative can save you money by negotiating favorable terms and can show you all the comparable data so you will know if the house you are considering making an offer on is well-priced.
Good luck, Fernando!