Any sperm that touches the vagina can get you pregnant, not on clothing. If you had *** on your fingers then yes, she could be. But no, shes not pregnant and it being on panties is a another negative ghost rider. Pre-*** can also get your pregnant, hence why the pull out method does not work. Sex without protection has a 50/50 chance of getting your partner pregnant. You should always wear a condom to prevent STD's and other bacteria, if you dont your going to be asking more questions later :] good luck!2