L.M.
Your not screwed.
Definetly contact the bank, either by calling or in writing. Explain your situation and tell them when you will be able to make the payment. (you'll still have to pay the late fees). Do you have enough to pay just the pricipal and interest portion of the mortage. If you do, tell them that you'd like to pay that right away and send them the escrow portion within the next # of days. Document your phone call.
Do NOT take a cash advance on your credit card.
After your back on schedule, write a letter to each of the 3 credit card bureaus explaing what happened. It won't stop your credit score from taking a hit, but it will help you in the future when you need to apply for credit.