If you call them plenty ahead of time and explain, they should be able to work with you on that small of an amount. I had some money on hold at the bank in Oct and if it hadn't come avail at the time of payoff, they would have given me some more time, I believe a week if I remember correctly.
Room only, you have to pay first night only and then you pay the rest at check in. You can't add dining to a room only at check in, but you can add it 72 hours prior to check in.
Suzanne