how to make a horror material for a wall?

im trying to make a horror game in a house but i just cant get the right wall material so those are what i found and i want to know how to get any of those

Take a look at Substance Designer and Filter Forge, they are great for creating tiling, customizable, game ready textures.

substance can be expensive but it is a great tool. cheaper options to get textures i would suggest are sites like textures.com (formerly cgtextures). theres also many other sites that offer free and paid textures.

for a horror wall you could use any normal wall texture then layer on it a grime texture.

how do you layer materials on top of each other?

or decals or the experimental material layering, Thank you for clarifying

You can use Photoshop, Affinity Photo, Gimp or any other 2D application to layer multiple images. (Look for layer blending modes.)
However you could achieve higher perceived resolution by layering the textures in an Unreal material. For example wall dirt, repeating wall paper, up close mold, each at a different scale. In that case the “multiply”, “add” and “linear interpolation (lerp)” nodes are commonly used.