Aruch HaShulchan, The Laws of Tzedakah, 253:5

They cannot obligate one to sell one’s house or appliances, and this is as according to our teacher Yosef Caro (the Beit Yosef.) If one has a house with many appliances but does not have 200 zuz, one may take [from the tzedakah fund] without having to sell their appliances even if the appliances are made of silver and gold. To what does this refer? To eating and drinking utensils, clothes, bedding, and the like. However, a silver sleigh or pestle should be sold, and that person may not take tzedakah. [Translation by Rabbi Bruce Elder. Edited for gender neutrality]