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How do the Gospels of Matthew and Luke describe Jesus’ conception?

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Antonello da Messina: Madonna and Child — Mary *Madonna and Child*, oil and tempera on panel by Antonello da Messina, 1475; in the National Gallery of Art, Washington D.C.

The Gospels of Matthew and Luke both describe the conception of Jesus as a virgin birth, occurring through the power of the Holy Spirit rather than through a natural father.1

The Gospel of Luke: This account provides the most detailed narrative, known as the Annunciation. The angel Gabriel appears to Mary in Nazareth to announce that she will conceive a son by the Holy Spirit. When Mary asks how this is possible since she is a virgin, Gabriel explains that the Holy Spirit will come upon her and the power of the Most High will "overshadow" her. Mary responds with her consent: "Here am I, the servant of the Lord; let it be with me according to your word".23
The Gospel of Matthew: This account focuses on Joseph, Mary’s husband. After learning of Mary’s pregnancy, Joseph is told by an angel in a dream that the child was conceived by the Holy Spirit in fulfillment of prophecy. The narrative emphasizes that this event was intended to save his people from their sins.2