As I mention earlier there are three types of sin the first was inherited sin then we have imputed sin. Used in both financial and legal settings, the Greek word translated "imputed" means "to take something that belongs to someone and credit it to another's account." Before the Law of Moses was given, sin was not imputed to man, although men were still sinners because of inherited sin. After the Law was given, sins committed in violation of the Law were imputed. Even before transgressions of the law were imputed to men, the ultimate penalty for sin (death) continued to reign. All humans, from Adam to Moses, were subject to death, not because of their sinful acts against the Mosaic Law (which they did not have), but because of their own inherited sinful nature.
Another type of sin is personal sin, that which is committed every day by every human being. Because we have inherited a sin nature from Adam, we commit individual, personal sins, everything from seemingly innocent untruths to murder. Those who have not placed their faith in Jesus Christ must pay the penalty for these personal sins, as well as inherited and imputed sin. As believers we can choose whether or not to commit personal sins because we have the power to resist sin through the Holy Spirit who dwells within us, sanctifying and convicting us of our sins when we do commit them. Once we confess our personal sins to God and ask forgiveness for them, we are restored to perfect fellowship and communion with Him. "If we confess our sins, He is faithful and just to forgive us our sins and cleanse us from all unrighteousness", 1 John 1:9.
We are condemned due to inherited sin, imputed sin, and personal sin. The only just penalty for this sin is death according to Romans 6:23, not just physical death but eternal death, Revelation 20:11-15. Thankfully, inherited sin, imputed sin, and personal sin have all been crucified on the cross of Jesus.