Step 3 Select the MOVE tool from the Tool Bar
(shortcut: press V)
Step 4 Click on the texture and drag it on top of the base image.
Step 5 Resize the texture layer to fit:
Edit > Free Transform (shortcut: Mac = Cmd T or PC = Ctrl T)
Click, hold, & drag the handles to resize (Tip: If you can't see the handles you may need to zoom out. View > Zoom Out or use the shortcut: Mac = Cmd plus the 'minus' key or PC = Ctrl plus the 'minus' key)
Click Enter/Return (or the check mark at the top) to apply the transformation
At this point your texture layer will be on top. The base image will not be visible.
Step 6 Change the Blend Mode on the texture layer.
Experiment with different Blend Modes to find one your like. I frequently use the following Blend Modes: Multiply, Screen, Overlay, Soft Light, or Hard LIght
You may also want to adjust the Opacity of the texture layer. (Opacity is located in the top of the Layers Palette, next to the Blend Modes)