You can usually skip a mortgage payment and add it to the end of the mortgage loan and pay it later.
But before you skip a mortgage payment and add it to the end of the mortgage you need to speak with the bank or lender who is holding the mortgage on your home.
Some banks will allow you to skip or defer a mortgage payment when you need too and then add the mortgage payment to the end of the loan.
But always speak to the bank or lender about it first otherwise if you just skip a mortgage payment then they will mark it down as being late or delinquent on your mortgage.
Then they will hit you with late fees on your mortgage and then it will be reported to the credit agencies that control your credit score.
Your credit score will then be lowered as a result.
But if you get approval from the mortgage company or lender of the mortgage to defer or skip the mortgage payment then it won't harm your credit score.
However skipping or deferring mortgage payments just makes the mortgage take longer to pay off and can add more interest.