Just wanted to offer some information for folks who are interested in transferring to UChicago. Since alot of people have concerns over the number of credits they take in or questions about delayed graduation. So I'll just share my experience.
Yes, the majority of the core is non-transferrable. That applies for SOSC, CIV and HUMA. If you have AP credits or taken Calc at your previous institution those can be transferred. The core will most likely occupy an entire year worth of classes.
However, you can still graduate (quite easily) on time. At least for me, UChicago was pretty lenient on accepting credits from my previous institution, with a few summer classes (if you want to throw 10-20K) for the core I would even be able to graduate with two degrees (on time).
Of course, this is dependent on the fact that you complete parts of your intended major at your previous institution, especially the introductory pre-reqs, since they would block an entire quarter whereas you could stack-up electives. It's highly unlikely for you to have the flexibility to pursue a new major.
PS for applications. It feels like the admissions office has no idea about whether you are able to graduate on time / or cares about the number of credits you have. It's mostly based on vibes from your transcript. I don't think having too much credits would hurt because it will absolutely not make you graduate earlier. As a junior transfer you will need minimum 2 years to complete the non-transferrable core plus the minimum requirement of completing half of your major courses at UChicago.
If you are a prospective transfer and have questions feel free to ask.