Suggestions for low-cost ETFs that track the markets?

The first one anyone is going to mention is VTI

Vti or vtsax if you want a mutual fund

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Is the only difference between an ETF and a Mutual Fund that you can buy and sell the ETF on a daily basis like an individual stock? What restrictions, if any, are there on trading Mutual Funds?

Also in terms of fees, which one is better, an ETF or MF?

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Not the only difference. ETFs can be bought or sold during the trading day while the funds are end of day transactions.

As for fees, the best thing about VTI over VTSMX Investor shares is VTI has a lower expense ratio. In fact, it's fee is the same ratio as VTSMX Admiral shares. Admiral shares require $10,000 in the fund. Investor shares requires 3,000.

So as long as you don't fall into the trap of trading with the ETFs it's better to start with VTI as you can start funding with little money since VTI has no minimum, yet get the expense ratio as low as Admiral shares.

Who is your investment provider? If you have Schwab, I'd suggest their ETFs over vanguard due to no costs/fees.

If you have vanguard accounts, then the opposite is likely true.