Open the file that you are going to work on.

1. The first thing that we are going to do is: we have to separate the jacket from the figure and make a new layer out of it. To do that we have to select the jacket, use whatever selection tool you like, in this example I'm using the Magnetic Lasso Tool.
2. Now that we have decided what tool to use let's make a perfect selection.
3. When the selection is completed make sure you have selected the right layer.
4. Go to Edit and click on it to show the rest of the settings.
5. Select Copy Merged or hit:(Shift+Ctrl+C)
Hit (CTRL+V)to paste the copied selection. Notice that the selection is pasted in a new layer.
6. Next open the Texture file you want to apply to the image and select the Move Tool.
7. Now move the texture in the image you are working on.
8. Place the texture over the top of the Jacket and make sure that it covers the jacket.
9. Move your mouse between the suit-extract and texture layer you will notice that the mouse will change into crossing circles now click to clip the layers or just hit the key board shortcut (CTRL+ALT+G)
10. Make sure you select the texture layer and than choose a Layer Mode, in our example we choose Color Dodge but you guys can experiment with different modes and see what works best for you.
11. Lower the Texture Layers Opacity to complete the effect.
Things To Remmember:
To remove a single layer from the clipping mask, you can simply Alt-click the line between the two layers in the Layers panel. Or you can select the layer and choose Layer?Release Clipping Mask. Both commands remove the selected layer and any layers above it from the clipping mask.
To ungroup all the layers in the clipping mask, select the clipped layer and choose Layer?Release Clipping Mask. You can also apply clipping masks to adjustment and fill layers. If you clip between a regular layer and an adjustment layer, or a regular layer and a fill layer, the adjustment or fill layer affects only the pixels of the adjacent underlying layer, rather than all the underlying layers.

