Accurate identification of non-rigid motion is crucial for geometric validity in self-supervised monocular depth estimation (MDE), yet it remains challenging for current methods. Inspired by Human Visual Perception (HVP), we present VFM-Dynamo, an efficient self-supervised MDE framework that disambiguates non-rigid objects by combining a vision foundation model (VFM) such as Grounding DINO and SAM with coarse to fine motion identification strategy: 1) Integrating visual-textual feature dependencies, we activate the capability of Grounding DINO global understanding with text prompts to detect potential object bounding boxes. 2) We then estimate coarse motion mask from reprojection error and photometric consistency to separate static from dynamic content. This mask provides coarse guidance for constraining rigid flow in static regions through two analogous estimates aligned by a consistency loss, and it drives a non-dynamical suppression module that removes boxes associated with static objects. 3) The remaining boxes are used to prompt SAM to produce refined motion identification, which in turn guide the joint optimization of depth and optical flow. Additionally, due to foreground–background mixing, standard interpolation-based upsampling often produces boundary artifacts. We introduce a learnable neighbor affinity interpolation (LNAI) module, which directly upsamples depth to full resolution and can be seamlessly integrated as a plug-and-play component. Experiments on a series of benchmarks demonstrate that proposed framework achieves state-of-the-art performance among unsupervised methods. Code is available at https://github.com/Qianqian3764/VFM-Dynamo.