What makes a word difficult to learn, and how does the difficulty depend on the learner's native language? We computationally model vocabulary difficulty for English learners whose first language is Spanish, German, or Chinese with gradient-boosted models trained on features related to a word's familiarity (e.g., frequency), meaning, surface form, and cross-linguistic transfer. Using Shapley values, we determine the importance of each feature group. Word familiarity is the dominant feature group shared by all three languages. However, predictions for Spanish- and German-speaking learners rely additionally on orthographic transfer. This transfer mechanism is unavailable to Chinese learners, whose difficulty is shaped by a combination of familiarity and surface features alone. Our models provide interpretable, L1-tailored difficulty estimates that can be used to design vocabulary curricula.