Yes, definitely a female!
I'm glad to hear her belly button is doing better. I had one a few months ago with a hernia that we ended up getting operated on. I just wanted to check because I know those sorts of things, if gone unnoticed, can cause severe damage, or even early death. But I'm glad...
What breed is she? The droopy ears make me think she has some brahman in her!
And are you sure its a heifer? The part hanging down by the belly makes me think it's a bull. Either that, or she has an umbilical hernia of some sort.