Why is faith described as a gift from God?

The New Testament articulates that faith, particularly as it relates to salvation, is a divine gift. Ephesians 2:8 states, 'For by grace are ye saved through faith; and that not of yourselves: it is the gift of God.' This verse highlights that saving faith is not a product of our own works or decision-making but is bestowed upon us by God’s sovereign grace. This understanding aligns with the Reformed belief that fallen humanity is naturally inclined towards disbelief and rebellion against God. Therefore, it is only through God’s miraculous intervention, through the regeneration by the Holy Spirit, that individuals can come to genuine faith in Christ. This emphasizes the total dependence on God's grace in the process of salvation.