Traversability estimation is critical for enabling robots to navigate across diverse terrains and environments. While recent self-supervised learning methods achieve promising results, they often fail to capture the characteristics of non-traversable regions. Moreover, most prior works concentrate on a single modality, overlooking the complementary strengths offered by integrating heterogeneous sensory modalities for more robust traversability estimation. To address these limitations, we propose a multimodal self-supervised framework for traversability labeling and estimation. First, our annotation pipeline integrates footprint, LiDAR, and camera data as prompts for a vision foundation model, generating traversability labels that account for both semantic and geometric cues. Then, leveraging these labels, we train a dual-stream network that jointly learns from different modalities in a decoupled manner, enhancing its capacity to recognize diverse traversability patterns. In addition, we incorporate sparse LiDAR-based supervision to mitigate the noise introduced by pseudo labels. Finally, extensive experiments conducted across urban, off-road, and campus environments demonstrate the effectiveness of our approach. The proposed automatic labeling method consistently achieves around 88% IoU across diverse datasets. Compared to existing self-supervised state-of-the-art methods, our multimodal traversability estimation network yields consistently higher IoU, improving by 1.6-3.5% on all evaluated datasets.