The answer to your question is easily understood if you think about the construction of the camera for a bit.
The lens throws an image circle onto the back plane of the camera, where the sensor resides. The part of the image circle that is cast over the sensor is what can be recorded in the form of an image.
An EF lens casts an image circle big enough to cover a 35mm film frame, a "full-frame" sensor such as that in the 5D. An EF-S ("S" stands for "short-back") lens does not--if you could somehow mount an EF-S lens on a 5D, the corners of the sensor would not be covered by the image circle. The only difference between an EF lens and an EF-S lens is that an EF-S lens can be made smaller and lighter because it is allowed to cast a smaller image circle. There is no other difference in terms of the photographic properties of the lens. In other words, 35mm focal length on an EF-S lens is the same as 35mm focal length on an EF lens--if these two lenses are mounted on the same camera body and set to 35mm, they will produce the same image on that particular body.
Now what if we hold the lens constant (an EF lens set to 35mm) and vary the body so that one is FF and the other is APS-C? In that case, just imagine what's going on inside the camera. On the FF body, the sensor is bigger and covers more of the image circle, capturing a wider angle of view. On an APS-C sensor, the sensor is smaller and captures only the center part of the image circle.
So, if you take an image on a FF body and crop off the sides, you have the exact same image that would be captured on an APS-C sensor. Simple as that. If you print an image captured on a FF sensor at 8"x12" and then crop it down, you'll end up with a smaller image (6"x9"? That's not exactly right, but let's say 6x9) covering a smaller angle of view. If you took the same shot with an APS-C sensor with the same lens at the same focal length and printed at 6"x9", you'd have exactly the same thing as the cropped FF shot.
Here's where the problem comes in: most photographers don't do this . Most photographers do not accept this comparison because they want to know: if I take two shots, one on a FF camera and one on an APS-C camera--same lens, same focal length, same aperture--and print both at 8"x12", what am I gonna get?
Well, the same rules above apply. If you take the FF shot, print at 8"x12", then crop off the sides down to 6"x9", you have the same image as the APS-C camera. Now, if you blow that image up to 8"x12", you can imagine how it will compare to the original FF shot. DoF will apparently decrease (even though it didn't really decrease) because you blew up the image. I say it apparently increased without really increasing because, if you enlarge any photo, whether taken on a FF camera, APS-C, medium format--whatever--you're not changing the DoF. However, things that were out of the focal plane that seem sharp on a small image will show as blurry on an enlargement. Many photographers mistakenly conflate apparent decreases in DoF with real decreases in DoF (even though they'd never make the same mistake when simply making an enlargement).
I won't get into the viewfinder here b/c I think this is more relevant to your question. I'll only say: the viewfinder is essentially a crop of the image captured by the sensor, same as the APS-C sensor is a crop of the FF sensor. If viewfinder coverage is 100%, then it's a 100% crop (no crop at all). If your viewfinder provides 95% coverage, then you're looking at a 95% crop of the final image when peering through the viewfinder.