Faith itself not the cause of justification – Louis Berkhof

Scripture never says that we are justified dia ten pistin, on account of faith. This means that faith is never represented as the ground of our justification. If this were the case, faith would have to be regarded as a meritorious work of man. And this would be the introduction of the doctrine of justification by works, which the apostle opposes consistently, Rom. 3:21,27,28; 4:3,4; Gal. 2:16,21; 3:11. We are told indeed that Abraham’s faith was reckoned unto him for righteousness, Rom. 4:3,9,22; Gal. 3:6, but in view of the whole argument this surely cannot mean that in his case faith itself as a work took the place of the righteousness of God in Christ. The apostle does not leave it doubtful that, strictly speaking, only the righteousness of Christ imputed to us, is the ground of our justification. But faith is so thoroughly receptive in the appropriation of the merits of Christ, that it can be put figuratively for the merits of Christ which it receives. “Faith” then is equivalent to the contents of faith, that is, to the merits or the righteousness of Christ.