Just messin around with particles. This is placeholder art, but I think you get the idea. The falling water has steam coming off of w/e it collides with. so no matter what i put it above, steam will come off of that object.
It was fun. Got the same effect for rain and the splash when it hits the ground.
If you're interested in learning how, I am starting a video tutorial series soon and i will do a tutorial on particles asap.