Don’t know how to tell him

I have been seeing a guy for 3 months and when I say seeing that’s just it. We met twice before this whole covid thing happened. We FaceTime all the time, always FaceTime to say goodnight, and talk/text all the time. We have said I love you... for me it slipped out and he was already saying it but I mean I am developing feelings for him but there are somethings that I am hesitant about. He lives in a group home, he doesn’t have a car, he is 6 years younger than me. I know it’s my fault that we got as far as we have. I do enjoy talking with him but I kinda want to say we need to take a step back and maybe just be friends. I don’t want him to get so attached and then hurt him. That is the last thing I want to do cause I do car for him. I just don’t know what to say or how to say it. I could maybe see us seeing each other but he had limited time out of the house each day and rules when I can be there once this covid stuff blows over. Any advice?