If you have a max-like program which actually loads and handles bumpmaps/specular, whatever, you should be able to define a light source and a camera angle. Then you can take a screen shot top-down and get a perfect seamless section with bump/specular map bound to the underlying texture. Otherwise, I don't know of any drawing program which will play with bump/specular maps in a 3d environment.
Gmax doesn't have that ability on mine, but I have used it to make composite textures in a similar way. I've also been experimenting with it to create GIF/sprite sheets for use as spell fx.