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: Lower the Fill of the text layer to 0% in the Layers panel. This makes the letters invisible but allows layer styles to still affect the texture beneath.

: Add an Inner Shadow via Layer Styles. Adjust the distance and choke to simulate the top edge of the "cut". Apply Bevel and Emboss : Set the Style to Inner Bevel .

Set the to Down to make the text appear sunken into the surface.

: Use the Horizontal Type Tool to type your text directly onto the texture.

To achieve a "deep" or carved text look, you can follow these general steps: Creating a Deep/Carved Text Effect