You are saved and given eternal life the moment you believe in Jesus Christ. You cross over in that moment of belief from death to life. How? The Holy Spirit of God comes to indwell you. You are made SPIRITUALLY alive by the indwelling of the Spirit. You are made into a New Creation, born again. The old is gone, the new has come. You are made righteous, pure and your sins are remembered no more. You are now able to enter into God's presence because of what Jesus accomplished. None of us are worthy, that is why we need to trust and believe, and accept all Jesus has done for us. He took all your unworthy thoughts and actions upon Himself. There is none of your unworthiness to worry about.
This is the good news of the gospel! 😇