LaViRA: Zero-shot Vision-and-Language Navigation in Continuous Environments (VLN-CE) requires an agent to navigate unseen environments based on natural language instructions without any prior training. Current methods face a critical trade-off: either rely on environment-specific waypoint predictors that limit scene generalization, or underutilize the reasoning capabilities of large models during navigation. We introduce LaViRA, a simple yet effective zero-shot framework that addresses this dilemma by decomposing action into a coarse-to-fine hierarchy: Language Action for high-level planning, Vision Action for middle-level perceptual grounding, and Robot Action for low-level control. This modular decomposition allows us to leverage the distinct strengths of different scales of Multimodal Large Language Models (MLLMs) at each stage, creating a system that is powerful in its reasoning, grounding and practical control. LaViRA significantly outperforms existing state-of-the-art methods on the VLN-CE benchmark, demonstrating superior generalization capabilities in unseen environments, while maintaining transparency and efficiency for real-world deployment. Project page: https://robo-lavira.github.io/lavira-zs-vln/