Unbelief condemns a person, not because it is an unforgiven sin, but because it is the exclusive point of access to the grace. (Rom. 5:2)
Christ’s life, not his death is what saves. (Rom. 5:10; 1 Cor. 15:17)
Sinner is saved by regeneration, not atonement. (Tit. 3:5)
Glorification is what’s limited, not atonement. (Rom. 3:23; 8:17-30)
When Christ said, “It is finished,” on the cross, everyone was still in their sins as per 1 Cor. 15:17.
Atonement is one component of many components in salvation. It alone is not what saves. (Tit. 3:5; Rom. 5:10)
Atonement is a prerequisite for salvation, not the execution of it. (Rom. 5, 8; 2 Cor. 5; Tit. 3:5).
The Atonement must be received. (Rom. 5:11, 17; Jn. 1:12; 1 Cor. 15:1-4)
Then Jesus entered and passed through Jericho. Now behold, there was a man named Zacchaeus who was a chief tax collector, and he was rich. And he sought to see who Jesus was, but could not because of the crowd, for he was of short stature. So he ran ahead and climbed up into a sycamore tree to see Him, for He was going to pass that way. And when Jesus came to the place, He looked up and saw him, and said to him, “Zacchaeus, make haste and come down, for today I must stay at your house.” So he made haste and came down, and received Him joyfully. But when they saw it, they all complained, saying, “He has gone to be a guest with a man who is a sinner.” Then Zacchaeus stood and said to the Lord, “Look, Lord, I give half of my goods to the poor; and if I have taken anything from anyone by false accusation, I restore fourfold.” And Jesus said to him, “Today salvation has come to this house, because he also is a son of Abraham; for the Son of Man has come to seek and to save that which was lost.”
I think salvation is given when true repentance is found