If a man donates his sperm and a woman donates an egg, then a baby can be conceived without either bio-parent engaging in intercourse, through in vitro fertilization ("test tube baby"). If the donors remain virgins long enough (maybe they're ace or something), then their bio-child could lose their virginity before either of them do.
You can jerk off in a cup and have a girl turkey baster that jizz inside her and she can get pregnant. The kid is born and then has sex before either of you. They lost their virginity before you