Virginity Situation😓

I’ve been dating my boyfriend for about 3 months now. We’re both 18. We’ve known each other since forever. Lately, we have been getting a bit touchy and one thing leads to another and well... I back out because I’m still a virgin and I’m scared. He’s done it before, and I guess I’m insecure. But now I feel ready ... and I wanna try it. I heard it’s painful, is there something I can do to make it less painful? Is 3 months too soon? HELP!!!