Belief in Jesus (the Word) and the cross washes away our sins. Repentance renews us with the Holy Ghost (the Spirit of Truth). BOTH are required to be saved. Still, many people like the cross and refuse to repent. They are damned.

Salvation is no doubt a gift. However, when you choose to become born again and live forever by the Spirit as the "saved" when your mortal body dies, "you are not your own" to do as you want as you did before, hence the cost.  

• What? know ye not that your body is the temple of the Holy Ghost which is in you, which ye have of God, and ye are not your own? For ye are bought with a price: therefore glorify God in your body, and in your spirit, which are God's. 1 Corinthians 6:19-20.

For example, nobody professing to be a "LGBTQ whatever" is born again. The concept is impossible because the alphabet culture is of the flesh and the born again are of the Spirit. You cannot live for the flesh and the Spirit, and nobody who is born again ever seeks to justify their own flesh.

The world justifies the flesh and its sin.

• ...know ye not that the friendship of the world is enmity with God? whosoever therefore will be a friend of the world is the enemy of God. James 4:4.

Please note that God said trying to do both, i.e., living born again as a friend of the world in the pursuits of the flesh doesn't work.

• So then because thou art lukewarm, and neither cold nor hot, I will spue thee out of my mouth. Revelation 3:16.

No. There is no such thing as a sin that does not require repentance, and the concept doesn't even make sense. God hates ALL sins and loves all sinners. He sent Jesus as the atonement for ALL sins of the believers in Jesus-the Word. The Father didn't leave any sins out of His promise of forgiveness unto salvation.

• Be not deceived; God is not mocked: for whatsoever a man soweth, that shall he also reap. For he that soweth to his flesh shall of the flesh reap corruption; but he that soweth to the Spirit shall of the Spirit reap life everlasting. Galatians 6:7-8.

The Father sent Jesus to die for all sins and for everyone who believes Jesus is the savior of the world according to the Word. The Father wants everybody to be saved by His son, Jesus the Christ. 

By way of reproof using common sense, why would God the Father allow some sins to be "blessed away" by a sinful man acting as God, or even referring to man as such? He wouldn't! 

As a Father, He seeks a personal relationship with each of us. Hence, the name "Father" is reserved for God the Father, and ONLY God the Father. As part of the new covenant we are under now, the pope and priests should not be called Father, and no Jew other than Jesus should be called Rabbi.

• But be not ye called Rabbi: for one is your Master, even Christ; and all ye are brethren. And call no man your father upon the earth: for one is your Father, which is in heaven. Matthew 23:8-9.

Therefore, why do the Catholics and other religions call their priests "father" when Jesus specifically said not to do that? Similarly, why do people call some Jewish religious leaders "Rabbi" when Jesus specifically said not do to that?

Please note: Having sinful men bless away sins is not only stupid but a murderous doctrine of the middleman religions. Be not deceived, God the Father has reserved His wrath and a lake of fire for the enemy, sin, death, and the unrepentant. Addressing whether or not some sins are worse than others, Jesus said of the "little white lies" many religions like to excuse or bless away by a robed seminarian supplanting God:

• I tell you, Nay: but, except ye repent, ye shall all likewise perish. Luke 13:3 and 5.

Yes.

We know:

• Jesus is the Word of God.
• Jesus said eternal life is available for us through belief in Him-the Word.
• Jesus proved eternal life is real and available through believing in the Word, in Him.
• The Word speaks of a "second death" in a lake of fire (hell) for the unsaved (verses below). 

Why test what He said about a second death in hell by wagering your eternal soul when eternal life is easily available? It just doesn't make sense.

• He that hath an ear, let him hear what the Spirit saith unto the churches; He that overcometh shall not be hurt of the second death. Revelation 2:1.
• Blessed and holy is he that hath part in the first resurrection: on such the second death hath no power, but they shall be priests of God and of Christ, and shall reign with him a thousand years. Revelation 20:6.
• And death and hell were cast into the lake of fire. This is the second death.  Revelation 20:14.
• But the fearful, and unbelieving, and the abominable, and murderers, and  whoremongers, and sorcerers, and idolaters, and all liars, shall have their part in the lake which burneth with fire and brimstone: which is the second death. Revelation 21:8.

More on this topic here as it affects the "church", the body of Christ.

• What if God, willing to shew his wrath, and to make his power known, endured with much longsuffering the vessels of wrath fitted to destruction: Romans 9:22.

The moment the body of our flesh dies, the souls of whoever chose to be born again shall be given a glorified body and be taken up to heaven and live forever in paradise with Him, Jesus is-the Word.

By contrast, the souls of whoever are NOT born again, remain unregenerate unto eternal death and their body and soul shall suffer the torments of hell where God's wrath burns His enemies forever, the opposite of paradise. 

• And fear not them which kill the body, but are not able to kill the soul: but rather fear him which is able to destroy both soul and body in hell. Matthew 10:28.

There is no third option, but remember:

• For all have sinned, and come short of the glory of God; Being justified freely by his grace through the redemption that is in Christ Jesus: Whom God hath set forth to be a propitiation through faith in his blood, to declare his righteousness for the remission of sins that are past, through the forbearance of God; To declare, I say, at this time his righteousness: that he might be just, and the justifier of him which believeth in Jesus. Romans 3:23-26.

We, the born again, say it like this:

• For we ourselves also were sometimes foolish, disobedient, deceived, serving divers lusts and pleasures, living in malice and envy, hateful, and hating one another. But after that the kindness and love of God our Saviour toward man appeared, Not by works of righteousness which we have done, but according to his mercy he saved us, by the washing of regeneration, and renewing of the Holy Ghost; Which he shed on us abundantly through Jesus Christ our Saviour; That being justified by his grace, we should be made heirs according to the hope of eternal life. Titus 3:3-7.