Should I not pay my mortgage?

[John Hyatt]

I am refinancing my house and the close of escrow date is set for Monday the 18th. Was originally supposed to be the 14th so I didn't pay my mortgage payment because of the 15 day grace period. Now that it's closing on Monday, I am getting conflicting advice. The Closing statement (HUD) shows the payoff from my current lender good through Monday, the 18th. I have never refinanced and I have seen a lot of various opinions online, but not a for sure answer. If I don't pay tomorrow, I get late fees added but I am already getting $200 back on refinance so essentially I get dinged $50. My lender said it won't be reported to credit report since it's not 30 days late and they will be paid in full on Monday. Has anyone been in a similar situation? What would you do?