Without loss of generality, let $A$ be $m$-by-$m$ and $D$ be $n$-by-$n$, with $m\ge n$. Consider
$$
f(t)=\det\left(
\begin{array}{cc}
A+tI_m&B\\
C&D
\end{array}
\right).
$$
Obviously,
- $f(t)$ is a polynomial of $t$, for which it is analytic on $\mathbb{R}$;
- $f(0)$ returns the desired determinant;
- $g(t)=\det\left(A+tI_m\right)$ is also a polynomial of $t$, for which it has isolated zeros;
- $g(0)=0$ provided that $A$ is singular, yet since $t=0$ is an isolated zero of $g(t)$, $g(t)\ne 0$ for all $t\in\left(-\delta,\delta\right)\setminus\left\{0\right\}$ for some $\delta>0$.
Now, since $g(t)\ne 0$ on some $\left(-\delta,\delta\right)\setminus\left\{0\right\}$, it follows that $A+tI_m$ is invertible on this domain. Therefore,
$$
f(t)=\det\left(A+tI_m\right)\det\left(D-C\left(A+tI_m\right)^{-1}B\right).
$$
Consequently, the continuity of $f(t)$ yields
$$
f(0)=\lim_{t\to 0}\left(\det\left(A+tI_m\right)\det\left(D-C\left(A+tI_m\right)^{-1}B\right)\right).
$$
Now, let us focus on two distinct cases. First, if $A=O_m$, i.e., $A$ is a zero matrix of order $m$. In this case, the above formula gives
\begin{align}
f(0)&=\lim_{t\to 0}\left(\det\left(tI_m\right)\det\left(D-C\left(tI_m\right)^{-1}B\right)\right)\\
&=\lim_{t\to 0}\left(t^m\det\left(D-\frac{1}{t}CB\right)\right)\\
&=\lim_{t\to 0}\left(t^m\det\left(\frac{1}{t}\left(tD-CB\right)\right)\right)\\
&=\lim_{t\to 0}\left(t^{m-n}\det\left(tD-CB\right)\right).
\end{align}
Recall that $m\ge n$. We therefore obtain
- If $m>n$, it is obvious that $f(0)=0$;
- If $m=n$, it follows that $f(0)=\det\left(-CB\right)=\left(-1\right)^n\det\left(CB\right)$.
Second, consider $A\ne O_m$. This case is more complicated, and there is no elegant form for $f(0)$ with only $A$, $B$, $C$, and $D$ involved. However, since $A\ne O_m$, we may perform some elementary operations of the second type, i.e., row- and column-switching transformations, such that after the operations, we obtain
$$
f(0)=\det\left(
\begin{array}{cc}
A'&B'\\
C'&D'
\end{array}
\right),
$$
where, e.g., $A'$ results from $A$ by switching $A$'s rows and columns, such that $A''$, the $k$-by-$k$ square matrix made up of the first $k$ rows and columns of $A'$, is invertible. The existence of such an $A''$ is guaranteed by the fact that $A\ne O_m$. In this way,
$$
f(0)=\det\left(
\begin{array}{cc}
A''&B''\\
C''&D''
\end{array}
\right).
$$
Thanks to the invertibility of $A''$,
$$
f(0)=\det\left(A''\right)\det\left(D''-C''\left(A''\right)^{-1}B''\right).
$$
This result is much less elegant. $A''$ is only part of $A$. $B''$ contains part of both $A$ and $B$, and so does $C''$. $D''$ contains the whole $D$, and part of $A$, $B$, and $C$. Besides, there are switches of rows and columns as well.