"$5,000 was paid to the funeral home and there was also a flower arrangement purchased for $124."

Then you don't need Sched O for this, for Feds. From Form 990-EZ instructions:

"List on Schedule O (Form 990 or 990-EZ) each grantee organization or individual to whom the organization made grants (or paid similar amounts) in excess of $5,000 during the organization's tax year."

"I can put this on line 10 even though it's not technically a grant?

It is not programmatic, so I think I would use line 16. Somewhere I have a Form = Line = Chart of Accounts reference, but cannot find it right now. I would control this with UCOA 7050, if that helps.

The flowers would be non-program supplies. And your State might have different financial reporting limits for needing to provide details.