Matthew 19

On one occasion -

"...one came and said unto him, Good Master, what good thing shall I do, that I may have eternal life?"  (New Testament | Matthew 19:16)

In response, the Savior said -

"Thou shalt do no murder, Thou shalt not commit adultery, Thou shalt not steal, Thou shalt not bear false witness,
19 Honour thy father and thy mother: and, Thou shalt love thy neighbour as thyself."  (New Testament | Matthew 19:18 - 19)

And then added -

"If thou wilt be perfect, go and sell that thou hast, and give to the poor, and thou shalt have treasure in heaven: and come and follow me."  (New Testament | Matthew 19:21)

In summary -

"...if thou wilt enter into life, keep the commandments."  "New Testament | Matthew 19:17)

Obviously, all these conditions are necessary.  But in response to the disciples follow up question -

"...Who then can be saved?"  (New Testament | Matthew 19:25)

The Savior then answers that even with all these conditions -

"...With men this is impossible; but with God all things are possible."  (New Testament | Matthew 19:26)

Which suggests that even if we repent and do all that we can, in the plan of redemption, the atonement of Jesus Christ is still required.  I think Nephi explains it the best writing -

"For we labor diligently to write, to persuade our children, and also our brethren, to believe in Christ, and to be reconciled to God; for we know that it is by grace that we are saved, after all we can do."  (Book of Mormon | 2 Nephi 25:23)