Below is an example of how I applied texture to Image 1 (created in Photoshop).
I used two textures downloaded from CGTextures:
1. The first is found in Marble:Other, and is MarbleOther0001 (Texture #3195)
2. The second is found in Fabric:PlainFabric, and is FabricPlain0027
I downloaded the largest images in both instances.
Step 1 - Marble Texture:
I created a new layer and moved it to the top of the layers palette. I then pasted the Marble texture into the new layer and set it to "overlay" mode. I resized the texture to fit my image (I did not try to tile or repeat it). I created a “curves” adjustment layer and a “hue/saturation” adjustment layer, to take down the contrast and remove the color in the Marble texture. I clipped both of these adjustment layers to the Marble texture layer (so that the adjustment layers only apply to the Marble layer).
Next I created another layer, moved it to the top of the layers palette, and pasted in the fabric texture, setting the layer to “soft light” mode. I resized the texture to fit my image (I did not try to tile or repeat it). I created a “hue/saturation” adjustment layer to remove all the color. I did not need a curves adjustment layer for this texture because there was not a lot of contrast. I clipped the adjustment layer to the fabric texture layer.
Finally, I created a new group and placed both the Marble layer and the Fabric layer in the group (along with their respective adjustment layers). I placed the group at the top of the layer palette (above my original Image 1 design layers). I set the new texture group to “pass through” mode.
The result is Image 2.
As you can see, in this design, I found the best results by adjusting the layers to be desaturated and without too much contrast. I just played with the layer modes until I found the ones that worked.
Have fun with textures!