Clothing is often treated as the layer that hides the figure, and it is closer to the opposite. Fabric is pulled tight where the body pushes against it, hangs loose where it does not, and creases where it is compressed. Read properly, a clothed figure contains more information about the body than a bare one does, because the cloth is drawing attention to exactly the points of contact.
This is why clothing is the fastest place to diagnose figure problems. An artist who cannot place folds correctly usually cannot place the underlying forms either, and fixing the fabric without fixing the structure produces drawings that look decorated rather than solid.
Every fold has a cause
Folds are not decoration and they are not random. Each one is produced by something: a point of tension, a compression, a change of direction, or gravity acting on unsupported material. Draw folds without identifying their cause and the result is a texture of lines that reads as noise, which is the single most common clothing failure in amateur work.
The diagnostic habit is to ask, for each fold, what is pulling and what is pushing. Tension folds radiate away from the point of stress in straight-ish lines. Compression folds bunch where material has nowhere to go, at an elbow or a waistband. Hanging folds run vertically under their own weight. Three categories cover most of what you will draw.
Tension lines point at the body
Where fabric is stretched over a form, the tension lines converge on the contact points. Those lines are a direct statement about where the body is and how it is shaped, which means an artist who draws them carelessly is making claims about anatomy without realising it. Readers pick this up even when they are not consciously reading the folds at all.
This is also the mechanism by which clothing communicates weight and load, as described in the piece on drawing soft structure. Where a garment strains and where it hangs free together describe a body more precisely than an outline can.
Materials behave differently
Cotton creases and holds its crease. Silk hangs in many small soft folds and reflects light along their edges. Denim is stiff, produces few large folds and resists compression. Knitwear stretches rather than folding and follows the body closely. Leather creases sharply and permanently at joints. These are different drawing problems, not variations on one.
Learning three or four materials properly beats learning a generic cloth vocabulary. It also gives characters more definition, since what somebody wears and how worn it is says a great deal about them, which is the point made about wardrobe in the character sheet piece.
Draw the body, then the cloth
The reliable working order is to construct the figure first, at least roughly, and then put the garment over it. Drawing the clothing directly means inventing folds without a body to justify them, and the result is a shape that looks like a costume standing on its own. The extra sketch layer takes minutes and saves the whole drawing.
In digital work this is nearly free, since the underlying figure can sit on a hidden layer and be referenced throughout. Artists who skip it tend to produce clothed figures whose proportions quietly drift away from their bare ones, which becomes obvious the moment two versions of the same character are compared.
Fit is the variable most often ignored. The same garment on the same body reads completely differently depending on whether it was made for that body, borrowed, bought a size too small, or worn for years until it gave up its shape. Fit tells a reader about money, habit, self-image and the history of the morning, and it costs nothing extra to draw once you have decided what it should be.
Reading a body through what covers it
The summary is that fabric is a diagram. Draw the causes rather than the appearance, keep the three fold categories in mind, learn a few materials properly, and always build the figure underneath first. Clothing then stops being an obstacle and becomes one of the most efficient descriptive tools available.
Colour and value in fabric follow the same structural rules as skin, covered in the piece on colour temperature. Characters here remain fictional and unmistakably adult in every state of dress.