If your intent is simply to make item crafting a little easier, then I don't see a problem with allowing it. If your players are into bending and twisting the rules, then it could lead to abuse. If they are pretty casual as players, then it should be fine.
Are there spellcasters in the group? A spellcaster can assist the the character with the Master Craftsman feat by casting the spell for them. If the spellcaster doesn't have the spell, they can buy it on a scroll. A character with Use Magic Device could do the same thing.
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If your players are into bending and twisting the rules, then it could lead to abuse.What abuse?
Doing more than what you intended. People are creative so it's hard to list specifics.
If your crafter spends loads of downtown to create 1/2 price magic items for the entire party, and does so using your houserule to ignore normal penalties, that could be a possible abuse. If your players aren't into that kind of thing, this its not something to worry about.
My point is that your houserule is probably fine. The point of Master Craftsman is to reward a character who make magic items without the use of Spellcraft. If your players invests in Craft or Profession to make items, and also invests in Spellcraft to gain pseudo spells then doesn't seem like a bad thing.
You could also split the difference and make it a -2 penalty (instead of -5).
Questions you need to be able to answer:-
1)What level spell can I take. (Can I take Wish as my choice at 1st level?)
2) What list can I take the spell from (Haste appears at different levels on different lists)
3) Do all the spells have to be from the same list
4)Does this let me count as knowing the spell for the purpose of using wands etc? How about scrolls?
5)Why can't a wizard learn spells for via this means ? Can he learn them just for crafting purposes? What are you going to do when a player gets the 2 lists of spells known mixed up by 'accident;(actually knowing some players it could be an accident)
6) So I can make wands/potions/scrolls using these spells, what Caster level will they have (also if you gave a careless answer to 1 or 2 you just got a world of hurt)
7) If a spell could be divine or arcane which is it?
I think if I actually put some thought into this I could come up with some other questions (say by thinking about it on the bus into work or some other dead time which I would do if playing in this game)
Overall the +5 dc is not a big problem and I think answering those questions to the satisfaction of your players is a bigger one. Also I have never seen a none caster invest in crafting
Rather than applying it by class, roll it in to the Master Craftsman feat! It's a feat tax, so that'd help take the sting out of it. For rank in spellcraft, you write down one spell that you can ignore as a crafting prerequisite. (Possibly every two ranks, depending on where you think the balance should be.)
That particular approach isn't very elegant. I might suggest letting Master Craftsman ignore one spell prerequisite for every four ranks you have in the associated craft/profession skill.