1 John 4:10 Herein is love, not that we loved God, but that he loved us, and sent his Son to be the propitiation for our sins.
When my youngest daughter was born I held her in my arms while my wife recovered from c-section surgery. A nurse came in, looked at us and remarked about how comfortable and content my daughter was in my arms.
Was this love? On my part yes. I loved her before she came into the family. On her part, we will never know but her contentment was enough for me.
When we come to Christ by faith we have a deeper appreciation for what God did to welcome us into His family. Because we are older and more understanding of what that sacrifice meant, we tend to think in terms of indebtedness. Being born in the spirit should not be saddled with the burden of debt. My daughter didn’t owe me anything and I didn’t expect anything of her in those first moments of life.
Neither does God expect anything of you in new birth. You have only just entered into the family of God by faith. As an illustration of faith allow me to point to Abraham, the father of faith for three major religions.
Romans 4:2-4 For if Abraham were justified by works, he hath whereof to glory; but not before God. For what saith the scripture? Abraham believed God, and it was counted unto him for righteousness. Now to him that worketh is the reward not reckoned of grace, but of debt.
Abraham heard God and believed God but had not yet obeyed God and still he was justified by faith and righteousness was accounted to him. Your right standing before God, righteousness, has nothing to do with what you have done or can do but because God loves you.