I am extremely confused!

I am 14. I have been talking to this guy for 4 months as a joke but later we both started developing real feelings. The thing is he is a FREAK. He doesn’t ask for nudes or anything he just wants us to always hang out at my house all the time. We sometimes talk about losing our virginity but I have been always scared to have sex. Every time he brings up the topic I turn him down. I don’t know what to tell him or how to feel about all of this. Pls help!!