ArmorPaint
ArmorPaint is an open-source PBR texture-painting application distributed under the zlib licence. Source code is available, and compiled desktop builds are sold by the project. It lets an artist import a 3D model, paint colour, roughness, metallic and normal channels in layers, and export packed texture maps. Builds are listed for Windows, Linux and macOS, with platform support varying by release.
Its model is the closest match to Substance 3D Painter in this list: a 3D viewport, a layer stack, brushes, masks, materials and export presets. For indie game assets, props and stylised environments, it can carry a complete texture workflow without a subscription. The source licence also makes it possible to inspect and modify the application.
The break is ecosystem depth. ArmorPaint has a smaller library of smart materials, generators, brushes and export presets than Adobe’s product, and its community tutorials are thinner. GPU compatibility, performance on dense meshes and support for specific model formats should be tested on your hardware. It is a credible open source alternative, not a feature-for-feature clone.