material room > simple > click diffuse > browse to your image.  

Or from the materials folder in the Pose Room, select the  cloth pane and browse to your textures.  click one of the textures that have one paint brush and pallet in the upper right corner.   This is an MT5 and will apply to anything you point it at.   if the upper right corner Icon is stacked pallets and brushes, this is an MC6 and will only apply to a specific surface or surfaces,   

;>

Andy!