Eat as late as you want to. I think most of us would say not to eat within a few hours of bed, especially if you're trying to lose fat, mostly because of metabolism slowing down and things being shuttled into storage or what have you instead being used as fuel. Me I don't eat within about 3 hours of bed time because of the way the food reacts with me (usually get heartburn, but occasionally have other problems). Your mileage may vary.
As far as the fat goes, I can't tell you what to do. Only you can do that. Me, I'll worry about what effects happen to me when the time comes. I have to many other things to worry about (lifts, bills, work, etc.) to give much thought to food as anything other than energy.