Have you contacted your current lender to find out how much you have in deposit in your escrow account? Those funds will be refunded to you within 30 days of payoff. Also, your payoff and prepaid interest is what gives you the feel of skpping a payment......So you are financing a month's interest in there........you can bring your normal payment to closing and knock your balance down a bit. (Same with the escrows......"loan" yourself the funds to bring to closing and then wait for the refund to reimburse you).
So many people thing they are getting a "free" month, but they are actually financing that payment and escrows for another 30 years. No one gets a free ride.......