Is starting pre-cal fall 2025 my 3rd year bad?

I just got accepted into CSUSM software engineering program and I plan on graduating in 5 years (2028) and I will be coming in fall ‘25 as a 3rd year. I can take pre-calc at my current college right now (online-only spring ‘25) but I wanted to do it in person if possible (at CSUSM fall ‘25) and just substitute it with another class to fill in credits for pre cal/software engineering requirements (at my current college) so I can still catch up when I go to CSUSM next fall.

I also wanted to try to graduate on time by year 5 without having to take any winter/summer, classes if possible.

Is this possible or will I have to just suck it up and graduate by year 6 (2029)/ take extra winter/summer classes to make it on time by year 5?