Ready for sex?

I'm ready to have sex with my boyfriend. But, I just don't know how to tell him. We're both virgins and I've just started using the patch, we also both keep condoms at our houses. However, we have been close to having sex and we both either got embarrassed, someone decided it was a good idea to knock on the door, or the moment just went. I mainly think he is just worried about hurting me to be honest though, as two fingers is all I can take and the girth of his penis is about three or four fingers, which is why I believe he hasn't taken it further. 
Sorry for the ramble, but how do I tell him without getting embarrassed? And before you say 'If you're embarrassed you shouldn't be having sex' I disagree. It's just a topic I'm not open about.