Recent experiments have shown that the striking structure formation in dewetting films of evaporating colloidal nanoparticle suspensions occurs in an ultrathin "postcursor" layer that is left behind by a mesoscopic dewetting front. Various phase change and transport processes occur in the postcursor layer that may lead to nanoparticle deposits in the form of labyrinthine, network, or strongly branched "finger" structures. We develop a versatile dynamical density functional theory to model this system which captures all these structures and may be employed to investigate the influence of evaporation or condensation, nanoparticle transport, and solute transport in a differentiated way. We highlight, in particular, the influence of the subtle interplay of decomposition in the layer and contact line motion on the observed particle-induced transverse instability of the dewetting front.