To add to the advice above (repeating some).
1. Set your budget. Regardless of what type/style of vehicle you want, determine what you can afford. Cost of maintenance, fuel and insurance should absolutely be factored into this number. You're 26. You don't want to be car poor. If you get in over your head, you'll be feeding the finance beast at the expense of going places, doing things, and generally enjoying your 20's.
2. Once you've determined your budget (and don't cheat to inflate it to fit what you want), determine what fits your lifestyle and needs. You describe either a Ridgeline or Mustang. Ummmm . . . . Each of these are at different ends of the spectrum. Figure out what you really want/need, completely exclusive of what your budget is, then begin shopping.
3. It sounds like you have been bitten by the new car bug. A car is only new once. It also becomes "used" VERY quickly. What I'm trying to tell you here is that that new car feeling is very fleeting and will be gone LONG before your monthly payments. New car smell is a seductive bitch. Don't be drawn in by her tantalizing scent. Today's used car isn't what it used to be, particularly within certain brands. That said, I'd be far more wary of purchasing a used Mustang from a 29 year old than I would a used RL from a 40 something year old. Chances are the latter had the discipline and resources to maintain and not rag it into the ground. Also, compare used history (i.e., Consumer Reports) across the various makers and models to determine which will provide you a long, reliable life. You have plenty of time to purchase a new car when you are in a position to really buy what you want with the features you desire. Don't be anxious to pay for the first 2 years of depreciation for someone else.
4. So, once you've determined 1 & 2 above, and surrendered to the fact that the best thing for you right now is to purchase used, go shopping. If it's for a Ridgeline, use the inspection/buying advice found here. Don't be anxious for the first thing that looks like a good deal. Read the various threads to see what some of the best used deals have been, then shoot for something in that range.
Like one of the previous posters replied, you've got some money burning a hole in your pocket and the car dealership is a dangerous place for you to be hanging right now. Those guys are trained and skilled at separating you from your money to their benefit. They don't care about you or your needs, only how to get the largest margin they can, and they'll look to get you in ANYTHING they have to that end. Take a deep breath, rethink your strategy, make some decisions away from the car lot, then go shopping.
Good luck!