Too young?

Hi so I'm 14 and my boyfriend is 16 but he's just a grade above me. We've been dating for almost four months and have already talked about growing up together and having sex and all that cute couple-Y stuff. My parents are super strict about me dating although we've found a way to get around all that but it's not very often and when we do get the opportunity I usually end up on my period. Next time we have the opportunity I should be off but I wanted to know if you all think I'm too young to lose my virginity? I was raised Christian so I always wanted to wait till marriage but now I just want to wait till I've found the right guy and I think I have. The only problem is that he's going to college next year(we both graduate two years early. We go to an accelerated school) and I'm still here. I think we may have to break up cause long distance relationships suck so I don't know if I want to do it with him yet or if I want to wait. We've done little things before like fingering and handjobs(well I tried but I'm so awkward) and I've had a shirtless make out session with him but that's the most I've ever done with anyone. I'm not on pills but we will use a condom for sure. Is it worth it? Or will I regret it if we break up? Thank you ❤️