afford, a ford, a Ford

Afford or afford ( one word ) means able to pay for or bear the expense of--
Can we afford to go somewhere tropical for our vacation?
We can't afford a new car right now--maybe next year.

A ford or a ford ( two words ) means one ( a ) shallow spot in the river where it is possible to cross--
There is a ford about a mile downstream, where you may cross the river.
We might be able to cross a ford in the truck, but I don't think the car will get us across.

A Ford or a Ford ( two words, Ford a proper noun, and always capitalized ) means one ( a ) car made by the Ford Motor Company--
Grandpa was a Ford man; he never drove anything else.
He bought a Ford, although he looked at some other cars.

Now that you know that, you can say--
"Can you afford a Ford truck, one that can cross a ford with ease?"

Note--"affordable" means inexpensive, or easy on the budget--
Come and see our new line of affordable cars and trucks.
"Fordable" means a stream or river that can be crossed on foot or in a vehicle--
Is this river fordable?
So a river that can be crossed would be a fordable--
Is this a fordable river?