I read this quote recently on the FaithWriters site:

“It is easy to believe we are right with God when we are doing the right thing. It takes little faith to tell others they are saved by grace through faith alone. But at a personal moment of failure, it takes real authentic faith to adhere to and confess the absolute truth. The truth that we are just as righteous as we were before we fell into that sin, because our righteousness is not our own, it is a gift from God.” ~Michael Edwards

Yes, it takes genuine faith to believe righteousness is a gift.