how to make a material to chrahter (After making texture)???

i am new but i am learning fast now when we add material and make texture how do i put the texture in its place and with putting cloth and face .... in wright place do I need ANOTHER program if i need please tell me how

You need to do that outside of Unity, with a 3d program like blender(free) Maya or 3ds Max. In each of these programs you have to learn modelling. Start with simple stuff like a room so you can learn texturing properly.