I know it isn't a free product (£10.99 - cheap) but I love MindTex, all you have to do is create your texture with a transparent background so that you can place the objects that you need on the transparent background and everything else around it.Then save the texture as a png.
Load it into Mindtex and play around with the buttons until you have it perfect, you can get a 3D representation of your texture so that you know what it is going to turn out like. After you are satisfied you then save the maps you want IE D, N, S.
HP Pavilion Laptop, AMD A8-4555M APU with Radeon(tm) Graphics HD Graphics 1.6GHz, 8GB Memory, 64 Bit Operating System (Windows 8.1), 1 TB Hard Drive.
I've got something to say - It's better to burn out than fade away.